COLUMBUS - Heavy rains provoked questions through the State on the admissibility of insurance against flooding and the strategies for the protection of personal property.
Federal flood insurance is available for any structure owned or leased, in participating communities of the National Flood insurance program, according to the Ohio Department of natural resources Division of soil and water resources.
"There is a misconception out there that certain structures are not eligible for insurance against floods and that is simply not the case," said Christopher Thoms, Manager of the ODNR floodplain management program. "The best thing a property owner can do is to contact their insurance agent and ask about the national flood insurance."
Congress created the National flood insurance program in 1968 to help provide a way for owners of financially to guard against the effects of floods. In Ohio there are currently more than 740 communities participating in the program. Participating communities agree to adopt and enforce regulations that meet or exceed the requirements of the Federal Emergency Management Agency to reduce the risk of flooding.
A widespread on flood insurance is that it is covered in the insurance of the owner a standard. But, in truth, the owner must have a separate policy. According to FEMA, the average cost of a flood of insurance in Ohio is $483 per year.
"Floods cause more loss of life and damage to the property that all other natural risks combined," said Thoms. "We want to help people to protect their lives and property, and the best that can be made is by making available loan resources so that everyone can be informed about the risks associated with floods."
Thoms said the objectives of the flood plain management program to reduce the impact of the floods by providing advice and technical information to citizens and Government entities.
He recommended that the tenants and property owners consider them fact sheets related to flooding on the page of the Division of soil & water resources Web at www.ohiodnr. com/tabid/3511/default.aspx.
Learn more about insurance against floods and reduce the risks associated with floods, www.fema.gov/business/nfip/ and www.ohiodnr.com/tabid/21817/ Default.aspx.
Visit ohiodnr.com of ODNR Web site.
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