Unfortunately, devastating floods have recently killed at least 37 people in Kentucky. As Ohio natives, we are aware that Central Appalachia is no stranger to flooding. But the latest floods in eastern Kentucky broke historical records, and experts expect more to follow.

This recent devastating flood caused damage in other parts of Appalachia, including Virginia and West Virginia. This raises urgent questions about how to mitigate the impact of hazardous flooding – which, according to the experts, is likely to increase as climate change leads to more extreme weather.

So what does this mean for Ohio? A U.S. Army Corps of Engineers study forecast how an increase in extreme rainfall as the planet warms could affect stream flows in the Ohio River Basin. Areas with the most land disturbance from mining could also see the biggest increase in stream flows from climate change.

Moreover, satellite images of disturbed land from strip mining found areas near “the Kentucky and West Virginia state line to be among the most threatened by climate-change-driven extreme weather within the Ohio River Basin,” according to this USA Today article.

The History of Ohio’s Mining Towns

According to the book Little Cities of Black Diamonds, more than 70 mining towns flourished in southeast Ohio at the beginning of the 20th century. Unofficially labeled “ghost towns,” many abandoned mining communities like Floodwood dot Appalachian counties.

The region’s history of coal mining can exacerbate flooding, experts said, by altering the landscape. Properties in flood-prone areas tend to be the most affordable, which means that flood insurance in Ohio is the smartest investment.

Flood Insurance for Ohio Homes

If you live in a flood-prone area of Ohio and haven’t purchased flood insurance, we advise you not to wait any longer. As scientific research shows, flood-prone areas across the U.S. are only getting worse. With the purchase of flood insurance, you can rest assured that you’ll have a safety net if your home gets damaged during a flood.

Depending on the type of coverage your policy covers, flood insurance may include repairs to foundations, electrical and plumbing systems, and appliances. In addition, personal property coverage may include compensation for damages to clothes, furniture, and electronic devices, among others.

Not sure if you need flood insurance?

If you are trying to figure out what your risks for flooding are, you can take a look at this flood map created by FEMA. Floods occur naturally and can happen almost anywhere in Ohio. Call our agency today to see how we can help you bundle your home, auto, and flood insurance for an affordable rate and, most importantly, for peace of mind.