Ohio
Is your Ohio homeowners insurance spiking? Blame increasing tornadoes, storms
Top headlines of the week, April 11 2025 | Video
Here are some stories you may have missed on Dispatch.com and in the Columbus Dispatch newspaper.
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
Assistant Ohio AG punched on Cincinnati street by man seeking money, police say
A West Price Hill man is accused of punching an Ohio assistant attorney general after asking her for money, according to arrest documents and officials.
Jermaine Johnson, 50, is charged with misdemeanor assault after Cincinnati police say he punched Kathleen Fischer in the face July 1, according to court records.
Fischer was injured in the attack but was not hospitalized, arrest documents show.
Fischer is a senior assistant attorney general in the consumer protection section of the Ohio Attorney General’s Office. She spent more than a decade as an assistant prosecuting attorney in the Hamilton County Prosecutor’s Office before taking on her new role in 2025.
Fischer is also the daughter of Ohio Supreme Court Justice Pat Fischer, who hails from Fort Thomas.
Arrest documents list Fischer as the victim of the attack. An attorney general’s office spokesman and Hamilton County Prosecutor’s Office spokesman also confirmed Fischer was the victim of the attack.
Fischer told police she was walking on Sycamore Street outside the prosecutor’s office around 4:30 p.m. when she ran into Johnson, arrest documents show. Johnson asked Fischer for money and as she continued to walk away, he punched her in the face, documents state.
A Cincinnati police officer then found Johnson two blocks away shortly after.
Johnson gave police a “conflicting statement” but told officers he may have accidentally hit her.
Johnson is also charged with misdemeanor possession of drug paraphernalia, court records show. Police say they found a glass pipe on Johnson while he was being arrested.
Johnson is expected to be arraigned in Hamilton County Municipal Court at 12:30 p.m., according to court records. He remains in custody at the Hamilton County Justice Center.
This report will be updated.
Enquirer reporter Matthew Cupelli contributed.
Ohio
Why MS NOW rates Ohio’s Senate race a Toss Up
Ohio is shaping up to be a top battleground state this year, and MS NOW’s election team now characterizes its Senate race as a Toss Up.
We are updating the race based primarily on multiple high-quality polls showing a very tight contest, as well as the candidates running and the broader political environment.
The contest is technically a special election to fill out the remainder of Vice President JD Vance’s term. Republican Jon Husted, who was appointed to the seat after Vance took office in 2025, is running to defend it for the first time.
The candidates and structural forces
While Ohio is still often thought of as a bellwether state, it has voted reliably Republican in recent presidential elections. The state has shifted to the right during President Donald Trump’s political rise, backing him in all three of his presidential campaigns.
Ohio’s last few Senate races, however, have been more competitive. Vance won by six points in 2022, while Republican Bernie Moreno beat Democrat Sherrod Brown by less than four points in 2024, narrowly ousting Brown from office after he served three terms in the Senate.
Brown’s showing two years ago is more impressive than it might seem at first blush. A relatively well-liked senator with working-class appeal, he was likely dragged down by his party’s brand. He came close to hanging onto his seat in an unfavorable environment for Democrats. That four-point loss meant he ran ahead of Kamala Harris, who lost to Trump by 11 points.
And 2026 looks to be a much better environment for Democrats.
Trump’s approval rating and the GOP’s favorability ratings are underwater amid an unpopular war and widespread economic dissatisfaction. Brown is running again, and polls indicate he has a real shot at flipping the seat.
The polls
No single poll should be viewed as definitive, but a clear pattern has emerged in recent weeks. A Fox News poll made waves four weeks ago, showing Brown with a lead outside the poll’s margin of sampling error. Since then, two more high-quality polls have shown a very competitive race: one commissioned by AARP and fielded by a bipartisan team of pollsters, and the other released this week by the New York Times and Siena College. Both show a three-point race, which is well within the margin of error, and they differ on which candidate is ahead. This is what polling in a true toss-up race looks like.
Ohio
Children found in ‘deplorable’ Ohio home were part of same family
HAMDEN, Ohio (AP) — The 16 children found living in “deplorable” conditions inside a small, dilapidated rural Ohio home are part of the same family, officials said Wednesday.
Authorities arrested four adults Tuesday on felony child endangerment charges after finding the children in the home. Some were in dire need of medical treatment, authorities said.
Vinton County prosecuting attorney William Archer said the four adults were charged with second-degree felony child endangering because it involves “serious physical harm.”
Gary Siders Jr., Gary Siders Sr., Christina Siders and Elizabeth Siders appeared in court Wednesday where a judge entered not guilty pleas on their behalf.. They have not yet been assigned lawyers.
Ohio Attorney General Andy Wilson said Wednesday that the conditions inside the house in the tiny village of Hamden were almost indescribable, saying it “really looked third world.”
“It’s just almost beyond comprehension,” he said without providing details about what was inside.
It appeared that the children spent most of their time in just one room for much of the four years they lived there, Wilson said.
The house sits on a road tucked away alongside a steep railroad embankment, where tracks carry rumbling trains through Hamden. On Wednesday, its doors and windows stood open to the 94-degree Fahrenheit (34-degree Celsius) heat. A tangle of discarded children’s items — two busted bicycles, a plastic play table, a beach pail and two infant carriers — stood in a pile in the yard.
The Ohio Bureau of Investigation and local sheriff’s department searched the home on Tuesday.
The children ranged in age from 1 1/2 years to 18 years old and included both boys and girls, officials said. Seven were transported to hospitals in Columbus and two were flown by helicopters.
Hamden has a population of less than 1,000 people and is about 60 miles (97 kilometers) southeast of Columbus.
___
Seewer reported from Toledo, Ohio.
-
Wisconsin2 minutes agoSwatting call caused temporary lockdown at Rice Lake, Wisconsin health clinic
-
West Virginia14 minutes ago‘We cannot wait’: West Virginia Dems call for special session to address school funding
-
Wyoming17 minutes agoElection Q&A: Scott Smith for Wyoming state treasurer
-
Crypto22 minutes agoSenate Urged to Vote on CLARITY Act Before August Recess as Lawmakers Return July 13
-
Finance29 minutes agoNew questions about Trump’s taxes after financial disclosure release
-
Fitness32 minutes agoOur Editors Found the Best Fitness Deals—Save Nearly 50% on Home Gym Equipment
-
Movie Reviews44 minutes agoFilm Review: “looky loo: PART II” – MediaMikes
-
World47 minutes ago
US Resumes Dollar Transfers to Iraq, NYT Reports