Flooding is the most common and costly natural disaster in the U.S., and Ohio is no exception. Even properties outside high-risk flood zones are vulnerable, with over 20% of flood insurance claims coming from such areas. Without flood insurance, homeowners and renters face significant financial risks, as repair costs for even minor flooding can be substantial. Federal disaster assistance, when available, often comes in the form of loans that must be repaid, leaving many without adequate support. Renters are also at risk, as landlords' policies typically do not cover personal belongings. Flood insurance provides a reliable safety net, ensuring coverage for losses without repayment obligations.