Quick answer
No, Ohio doesn’t legally require umbrella insurance. It’s a decision made against your own risk, not a regulatory mandate, which is exactly why so many households that would genuinely benefit from it don’t carry it, nobody’s requiring them to look at the question.
The standard guidance is that anyone with a net worth above roughly $500,000, or meaningful future earning potential a judgment could attach to, should seriously consider it. We look at your specific situation rather than applying a blanket rule.