--- title: "Flood Insurance in Fremont OH | Insurance Specialists of Ohio" description: "Flood insurance for Fremont OH homeowners along the Sandusky River and across Ohio. NFIP and private flood options. Call Insurance Specialists of Ohio." lang: en json-ld: --- [![Insurance Specialists of Ohio logo](/assets/insurance-specialists-ohio-logo-BxmO8hyd.webp)](/) [Home](/) Insurance [Auto Insurance](/insurance/auto)[Home Insurance](/insurance/home)[Business Insurance](/get-a-quote)[Motorcycle Insurance](/insurance/motorcycle)[RV Insurance](/insurance/rv)[Farm Insurance](/get-a-quote)[Boat Insurance](/insurance/boat)[Life Insurance](/get-a-quote) Why Us? [Meet the Team](/about/team)[Our Carriers](/about/carriers) [Contact](/contact)[Get My Quote](/get-a-quote) [(419) 930-5940](tel:+14199305940)[Get My Quote](/get-a-quote) # Flood Insurance Protect your home and possessions from damage caused by flooding with essential coverage for Ohio homeowners. Standard homeowners insurance does not cover flood damage. In Ohio, where heavy rains and storm surges are common, flood insurance is a necessity rather than an option. We offer both National Flood Insurance Program (NFIP) policies and private flood insurance options, giving you flexibility in coverage and pricing. Whether your property is in a high-risk flood zone or a preferred zone, we can help you find the right level of protection at the best available rate. Don't wait until storm season to get covered, since flood policies typically have a 30-day waiting period. Contact us today to make sure you're protected before the next big storm. [Get My Quote](/get-a-quote) ![Insurance Specialists of Ohio - independent insurance agency](/assets/insurance-specialists-ohio-logo-BxmO8hyd.webp) We work to provide policies that protect our clients' assets and well-being. Independent insurance agency serving Fremont, Port Clinton, Perrysburg, Toledo, Sandusky, and the greater Columbus area. #### Contact (419) 930-5940 Fax: (888) 334-6454 jodi@ins-ohio.com 219 S Front St, Suite 101 Fremont, OH 43420 #### Business Hours Mon–Fri: 9am – 5pm Sat: By appointment only Sun: Closed [](https://www.facebook.com/)[](https://www.youtube.com/)[](https://www.linkedin.com/)[](https://www.google.com/maps) © 2026 Insurance Specialists of Ohio. All rights reserved. [ Auto ](/insurance/auto)