If the recent rainfall has you nervous about wet basements, backed-up lines or leaky roofs, youre not alone. Lately, Cincinnati could easily be mistaken as Seattle -- and many of us are probably lacking a key form of coverage in our homeowners policy: Flood insurance. Thats right -- Ohioans need flood insurance, too! Flood insurance covers physical damage to structures affected by flooding from heavy snowmelt and runoff following heavy rainfall. Your flood insurance policy will also co...