CINCINNATI (AP) - The federal government informed Gov. Bob Taft on Monday that there was not enough uninsured damage in tornado-stricken suburbs to warrant special assistance.

The Federal Emergency Management Agency said insurance will cover most of the damage in Hamilton, Warren and Clinton counties. The agency rejected Taft's request to declare them disaster areas, which would have made them eligible for federal loans and grants.

The communities will have to turn to the state to help with costs for restoring neighborhoods hit by the April 9 tornado. Four people were killed and the suburbs sustained an estimated $82 million in damages.

An estimated $66 million of the damage will be covered by insurance.

''Based on a careful review of the information available, it has been determined that the impact of this event is not of a severity and magnitude that warrants a major disaster declaration,'' FEMA Director James L. Witt wrote to Taft.

Ohio will not appeal the decision, said Nancy Dragani, spokeswoman for the Ohio Emergency Management Agency. An appeal would temporarily tie up low-interest loans made available through the federal Small Business Administration earlier this month.

Taft asked President Clinton to declare the neighborhoods disaster areas on April 15. Federal officials visited and found that more than 90 percent of the 665 damaged homes were covered by insurance.