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Mine Subsidence Insurance (MSI)

When buildings are constructed above underground mines, major damage to walls and foundations can occur if the mine subsides. Most insurance policies do not automatically cover mine subsidence damage to your home.

The Ohio legislature enacted a law in 1985 that established the Ohio Mine Subsidence Insurance Fund. It allows individuals residing in certain counties to purchase insurance for protection from losses caused by the collapse or lateral or vertical movement of structures resulting from the caving in of underground mines. The same legislation created the Mine Subsidence Insurance Governing Board to administer the Fund and to govern the Ohio Mine Subsidence Insurance Underwriting Association.

On January 1, 1993, changes in the mine subsidence law established mandatory and optional counties. Those living in mandatory counties pay $1 per year when they purchase or renew their homeowner's policy. Those living in optional counties pay $5 per year if they choose to include subsidence insurance in their homeowner's policy.

Mandatory and Optional MSI Coverage by County

Mandatory
Athens, Belmont, Carroll, Columbiana, Coshocton, Gallia, Guernsey, Harrison, Hocking, Holmes, Jackson, Jefferson, Lawrence, Mahoning, Meigs, Monroe, Morgan, Muskingum, Noble, Perry, Scioto, Stark, Trumbull, Tuscarawas, Vinton, Washington

Optional
Delaware, Erie, Geauga, Lake, Licking, Medina, Ottawa, Portage, Preble, Summit, Wayne

Mine Subsidence Insurance Coverage

  • Most insurance policies do not cover damage to a home due to mine subsidence. The Mine Subsidence Insurance Fund provides low cost insurance coverage in 37 Ohio counties for homes damaged due to mine subsidence caused by underground mines.
  • Report your claim to an agent or the insurance company. Your agent or insurance company will notify the Ohio Mine Subsidence Insurance Underwriting Association, which administers and adjusts the claim.
  • Insurance coverage is mandatory in 26 of the 37 counties, with a low annual premium.
  • Available for 1- to 4-family dwellings having at least 50% of the living area occupied. Mobile homes and farm houses are also eligible.
  • Coverage is the lesser of $300,000 or the amount of insurance coverage for the dwelling.
  • Coverage includes costs of excavation, foundations, some underground utilities, and limited coverage for driveways, sidewalks and private garages.
  • Annual premium is $1 in mandatory counties and $5 in optional counties.
  • Deductible of 2% of coverage available with a minimum of $250 and a maximum of $500.

Good Local Planning to Prevent Mine Subsidence Damage

  • Make underground mine maps available at County offices and encourage their use.
  • Incorporate underground mine maps into your comprehensive planning process and direct development to areas that are geologically stable.
  • Use subdivision regulations to insure that developers have provided for geologic stability if underground mines are in the area. Specifically cite "underground mines" in your regulations. Areas more susceptible to subsidence can be set aside as open space if mine subsidence is cost prohibitive.
  • Add "underground mines" to your site review checklists.
  • Be aware that not all mines are mapped, particularly old mines dating to pre-1874. Mine maps are only a general planning tool.
  • Gather detailed information about subsurface conditions through geotechnical investigations (core borings and analysis). This expense can be borne by the developer in many cases since the developer wants to ensure that stable geologic conditions exist.
  • Compile a list of geotechnical firms operating in your region.

Division of Mineral Resources Management

Division of Geological Survey 

  • Abandoned Underground Mine Locator website allows anyone with internet access to create a map showing the location of the abandoned underground mines in Ohio. View Ohio Mines Locator.
  • Staff informed about Ohio mining history.
  • Topographic maps showing locations of underground mines.
  • Detailed, individual mine maps. Some maps show depth to the mine.
  • Drilling records and other geological information for the area.
  • All maps and printed information can be ordered by telephone.

 Division of Water Resources 

  • Water well logs and drilling reports.
  • Ground water resources maps and information.
  • Floodplain management information.
  • Electronic files available for GIS use at no charge.