flood insurance tips
Federal Flood Map
Federal Flood Map
FEMA designs the federal flood map with the help of communities participating in flood management. These maps show the level of flood risk. Insurance companies will use flood maps to determine the cost of flood insurance. Low to moderate-risk areas pay less for flood insurance than those at a higher risk. Flood insurance prices also vary with insurance companies.
Some people choose private companies over NFIP because they provide higher coverage for higher-priced valuables. So, consider using a private flood insurance company if you have high-value items in your home. At Holt Flood Insurance, we work with several private insurance companies and the NFIP. With over 30 years of flood insurance experience, we can help determine what type of flood insurance works best for you. And if you already have flood insurance but are looking for a better rate, we can also help you.
As weather patterns change, so can the Federal flood map. Areas once at low risk for flooding can change to moderate or high risk. They can also go in the other direction. High-risk areas could switch to moderate or low risk for flooding when communities actively work with FEMA. The more accurate these maps can be, which help everyone.
For more information on the Federal flood map, visit our website or call us at (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:
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.
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 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
