Ohio
Is your Ohio homeowners insurance spiking? Blame increasing tornadoes, storms
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More tornadoes and severe weather may translate to pricier home insurance for central Ohioans —but there are things homeowners can do to curb rising costs.
Across the United States, annual insurance premiums for typical homeowners increased by an average of $648, or 24%, from 2021 through 2024, according to a report released in April by the Consumer Federation of America, a national nonprofit established in 1968 to advance consumer interests through research, advocacy and education. In Ohio, premiums increased 23% in that same time period while in Columbus they rose by 16%, the report shows.
In large part, the rise was driven by more frequent storms doing more damage throughout the country and not just in areas often hit by hurricanes or wildfires, said Sharon Cornelissen, director of housing at the Consumer Federation of America. And while it may appear that worse weather has spared some states, Cornelissen said that won’t always be the case.
“Florida is just the canary in the coal mine. Price pressures continue to rise and we’re seeing more and more disasters happening all over the country,” Cornelissen said. “No state is a climate haven. There is no such thing.”
In 2024 alone, Ohio saw 82 tornadoes, which put the state at 10th in the nation for the most twisters that year, according to the National Oceanic and Atmospheric Administration. The year’s total was the highest number of tornadoes Ohio has seen since at least 1950, the earliest year for which data exists on the NOAA website.
A number of tornadoes touched down in central Ohio and in the Indian Lake area about 75 miles north of Columbus in March 2024. Last year’s twisters came five years after a 2019 tornado leveled homes across the City of Dayton and several of its suburbs.
The tornadoes, coupled with damaging rain, flooding and hail can all drive up the price of coverage as insurers are are forced to pay for more repairs or entire home replacements, said Mark Friedlander, director of corporate communications at the Pennsylvania-based Insurance Information Institute.
In fact, insured losses from U.S. natural disasters exceeded $100 billion in 2024 for the third time in at least four years, he said.
“If you’re in kind of the same category as tornado alley, that’s a lot of activity… if it was not a historic level of tornadoes, it was pretty close,” Friedlander said of Ohio in 2024. “When you’re seeing a large volume of loss like that, insurers are going to take that into account when they’re determining rates.”
Central Ohioans who have seen their insurance costs rise more than they can afford should shop around for coverage, Friedlander said. Ohio, which is home to Nationwide Insurance and Grange in Columbus and Progressive in the northeast part of the state, has a strong insurance market and plenty of local and national options, Friedlander said.
Even if homeowners can afford their plan’s price increase, Friedlander said they should check in with an agent every year to ensure their policy still has an adequate level of coverage to cover the total loss of a house.
For homeowners who want to get even more proactive, Friedlander said some insurance companies will also work with clients to take preventative measures and potentially lower their insurance costs.
Roofs and windows, for example, are one of the most vulnerable parts of homes in the path of strong winds or tornadoes, Friedlander said.
But, Friedlander said homeowners can have the connections between the walls and roof of their houses strengthened so they don’t get blown away as easily. Upgrading windows with stronger glass, a common practice in areas where hurricanes are more likely, could also be a way to lower the cost of home insurance, Friedlander said.
Reinforcing a roof or replacing windows, however, can be costly and not an expense every homeowner can easily afford, Cornelissen said.
Instead, Cornelissen suggested states consider creating grant programs to help fund such home improvements or explore the idea of offering zero interest loans to homeowners who are interested in fortifying their roofs and windows. There also needs to be more information made public on why insurers are increasing premiums or denying coverage to some homeowners so that researchers can asses what’s going on.
If nothing is done, Cornelissen argued that rising insurance prices will prove to be unsustainable for most homeowners in the long run.
“This will price more people out of homeownership,” Cornelissen said. “Pretty much no ZIP code is escaping this fate… This is a call to action.”
Dispatch investigative reporter Max Filby can be reached by email at mfilby@dispatch.com. Find him on X at the handle @MaxFilby or on Facebook at @ReporterMaxFilby.
Ohio
Part of Ohio could’ve been named Metropotamia. Here’s what happened instead
How did Cincinnati become Porkopolis? The not-so-pretty tale
Cincinnati has long been called the Queen City. For a time, though, it was known by a less flattering nickname – Porkopolis.
Before Ohio was a state, the vast, largely uncharted expanse between the Ohio and Mississippi rivers, up to the Great Lakes, was known as the Northwest Territory.
Many parties, including the British, French, Spanish, Native American tribes and Eastern states, had previous claims to portions of the territory.
The Northwest Ordinance of 1787 settled the matter by organizing it as the Northwest Territory and laying the groundwork for the expansion of the United States.
The ordinance was among the most significant legislation created by the Congress of the Confederation of the United States, which governed the U.S. from 1781 to 1789, before the federal government was established by the U.S. Constitution.
Jefferson’s plan for westward expansion
Prior to the American Revolution, to strengthen British and Native American relations, King George III issued the Royal Proclamation of 1763, which forbade expansion of the colonies west of the Appalachian Mountains – an area considered an “Indian reserve.”
The British ceded that land in the 1783 Treaty of Paris following the Revolutionary War, and the new nation was ready to expand west.
The Confederation Congress pressured other states to relinquish their claims on the territory, such as Virginia’s declared boundaries extending “from Sea to Sea.”
Thomas Jefferson proposed the lands west of the Appalachians be divided into 10 states that would be equal to the original 13 colonies.
He suggested interesting names: Sylvania, Michigania, Cherronesus, Assenisipia, Metropotamia, Illinoia, Saratoga, Washington, Polypotamia and Pelisipia. What is now Ohio would have been part of Metropotamia, Washington and Saratoga.
Although a slave owner himself, Jefferson also proposed there be no slavery in the states after 1800.
Congress cut out the state boundaries, exotic names and slavery clause before passing the Land Ordinance of 1784.
Northwest Ordinance prohibited slavery in the territory
That ordinance was superseded by the Northwest Ordinance of 1787, which created incorporated territories led by a governor, a secretary and three judges chosen by Congress.
The Northwest Territory was designed to be carved into “not less than three nor more than five States.” Article 5 outlined a three-stage process for a state to be admitted to the Union. Once a district acquired 60,000 inhabitants, it could apply for statehood.
Slavery was not permitted in the territory. Article 6 states: “There shall be neither slavery nor involuntary servitude in the said territory, otherwise than in the punishment of crimes whereof the party shall have been duly convicted.”
The 13th Amendment used a similar phrase in abolishing slavery in the U.S. in 1865.
The Northwest Ordinance did have a clear fugitive slave clause, though, which allowed enslaved people who had escaped to be taken back to slavery.
Article 6 effectively made the Ohio River the dividing line between territories that prohibited or permitted slavery.
Setting the path to statehood
Under the Land Ordinance of 1785 (a different ordinance than Jefferson’s plan), the land in the Northwest Territory was subdivided into a rectangular grid system of 6-mile townships. The surveyed tracts were sold to individuals and speculative land companies.
John Cleves Symmes bought 311,682 acres between the Great Miami and Little Miami rivers, an area known as the Symmes Purchase, and resold tracts to settlers, such as the pioneers who founded Columbia, Losantiville (Cincinnati) and North Bend.
Most Native American tribes refused to acknowledge treaties signed after the Revolutionary War regarding lands north of the Ohio River that the tribes inhabited. This led to great conflict between the indigenous people and the settlers.
Military expeditions launched from Fort Washington in Cincinnati engaged forces led by Shawnee chief Blue Jacket and Miami chief Little Turtle all across Ohio until Gen. “Mad Anthony” Wayne won a decisive victory in the Battle of Fallen Timbers.
The peace treaty between the U.S. and Native American tribes really opened up the Northwest Territory for more settlers.
Rather than following the European colonial model, the Northwest Ordinance set a clear path to statehood and equality within the federal government.
Ohio in 1803 became the first new state from the territory, followed by Indiana (1816), Illinois (1818), Michigan (1837) and Wisconsin (1848).
Writing of the Northwest Ordinance in “The Law in Southwestern Ohio,” Frank G. Davis said, “By leading the Territory step-by-step to statehood, or rather statehoods, it set the pattern for the political and legal development of the entire continental U.S.”
Ohio
Governor DeWine announces Ohio sales tax holiday
COLUMBUS, Ohio (WOIO) – Gov. Mike DeWine is encouraging Ohioans to take advantage of this year’s sales tax holiday in August.
According to the governor’s office, the holiday will take place from midnight Friday, August 7 through 11:59 p.m. Sunday, August 9.
The following items qualify for the sales tax exemption during the three-day holiday:
- Clothing priced at $75 or less per item
- School supplies priced at $20 or less per item
- School instructional materials priced at $20 or less per item
“Ohio’s Sales Tax Holiday comes at a time of year when families are getting ready for back-to-school,” said Governor DeWine. “The sales tax break is designed to provide meaningful savings for families as they purchase new school essentials for the upcoming year.”
Copyright 2026 WOIO. All rights reserved.
Ohio
Ohio State men’s tennis beats Buffalo to advance in NCAA Tournament
The Ohio State men’s tennis team easily took care of business on Friday in a first-round NCAA Tournament match and will be moving on. The Buckeyes disposed of Buffalo 4-0 to earn the right to face California on Saturday in Columbus.
The Buckeyes started out on the right foot by winning the doubles point when Jack Anthrop and Bryce Nakashima won for the fourth time this year together, 6-2, while Nikita Filin and Brandon Carpico won 6-2 on court one.
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Ohio State kept things rolling in the singles matches. Anthrop, Loren Byers, and Filin all earned straight set victories on courts three, four, and five to clinch the 4-0 sweep over Buffalo and advance on to try and beat the Bears and punch a ticket to the Super Regionals. The No. 3-seeded Buckeyes are heavy favorites to beat Cal, but we’ll find out if that’s the case at 4 p.m. ET.
Contact/Follow us @BuckeyesWire on X (formerly Twitter) and like our page on Facebook to follow ongoing coverage of Ohio State news, notes, and opinion. Follow Phil Harrison on X.
This article originally appeared on Buckeyes Wire: Ohio State men’s tennis sweeps Buffalo, advances in NCAA Tournament
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