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City's participation in national program allows ability to purchase

For years, rumors have spread throughout the community and the nation, certain people were not permitted to purchase flood insurance. Then, some people were told those who live in flood plains could not buy flood insurance, and another myth was only people living in flood plains could buy insurance.

As it turns out, people in flood plains are required to purchase flood insurance, and it is available to everyone else.

"Anybody can buy flood insurance, whether they live along a stream or creek, or not," said Kim Carver, director of Scioto County Emergency Management Agency. "It is a program that is underwritten by the federal government, and anyone can purchase flood insurance."

Jarrett Dunbar, public information officer for Ohio Department of Insurance, agreed with Carver.

"Anyone can purchase flood insurance as long as their community participates in the National Flood Insurance Program. They don't have to live in a flood plain at all," Dunbar said.

Scioto County and the city of Portsmouth are participants in the National Flood Insurance Program, according to Carver.

Terry L. Tyson, senior flood agent with FloodSmart Insurance, said homes, condominiums, apartments and business structures all are eligible.

"Even if you've had previous flooding, you can still buy flood insurance," Tyson said. "Renters may purchase flood insurance for their possessions, and premiums for flood insurance are set by the U.S. government. Your rate is the same from any insurer."

With recent flooding in the area, and as Ohio welcomes the summer season, Ohio Department of Insurance Director Mary Jo Hudson is providing tips to Ohioans on ways to protect their homes from excessive damage in the event of severe weather.

"Unfortunately, a disaster can strike without notice or warning," Hudson said. "However, by taking precautionary steps, homeowners can reduce the damage caused by windstorms, floods and fires."

She said those steps also may qualify the homeowner for discounts from certain insurance companies.

Flood and water damage