flood insurance tips
Fema Flood Zone
Fema Flood Zone
A Fema flood zone is an area that has a risk of flooding, whether moderate or severe. High-risk areas are determined by the letters A or V, while medium to low-risk regions begin with the letters B, C, or X. Undetermined regions are given a D rating. At Holt Flood Insurance, we can help you better understand what these letters mean and find an insurance rate that works for you.
No matter the level of risk, flood insurance is essential for any home or business. It can help prevent you from spending thousands of dollars on repairs. Your regular homeowners' insurance does not cover water damage caused by flooding. If you live in a high-risk area, your mortgage company will require you to purchase flood insurance before you can take out a loan.
A Fema flood zone class A and V has a 1/4 chance of flooding during a 30-year mortgage, while zones B, C, and X have a 20 percent chance of flooding, and the chances of flooding in zones D are uncertain. It's important to know that floods can happen anytime, anywhere. That is why purchasing flood insurance is essential.
For more information on a Fema flood zone, visit our website or call at 1-540-809-1415. We will answer any questions you may have, contact Holt Flood Insurance today.
Here is what our clients are saying about us:
We contacted Mr. Holt for an estimate via email over the weekend prior to a closing on a property, hoping for a response on the following Monday to take with us with confidence in being insured at the settlement table on a Tuesday. He exceeded our expectations not once but in readily responding to the initial request and then to follow-up questions all during the weekend frenzy that occurs before closing. "Impressive and responsive customer service," for sure!
I have known Tim for many years and he is a man with great integrity, work ethic and one of the nicest persons I know. Over the years Tim has provided insurance counseling and advice to our company, for myself personally, as well as to our clients. Recently Tim, took time to analyze our flood insurance policy and he was able to make some excellent recommendations. Our flood insurance costs are now less and we have much better coverage. I recommend Tim to anyone without hesitation or reservation.
I have no problem giving you an A1 reference for taking care of the flood policies for me and Diane. I appreciate you working with the mortgage company: the surveyor and our previous agent. The result was a 75% reduction in our flood insurance premiums!
We'll help you:
Lower your current flood insurance premiums
Eliminate excessive & unnecessary coverage
Remove the FEMA from the claims handling process
