flood insurance tips
Flood Level Map
Flood Level Map
A flood level map is an innovative tool that indicates each area's flood risk level. FEMA creates these maps with the help of actively participating communities. There are three types of flood risk, low, moderate, and high. The higher your risk for flooding, the more your insurance will cost.
Buying flood insurance doesn't have to be complicated. While flood insurance is only optional for low-risk areas, purchasing it is essential regardless of your flood risk, as it can save you thousands of dollars in repairs. With over 30 years of flood insurance experience, Holt Flood Insurance is here to help, whether you go with insurance from the NFIP or a private flood insurance company. Whatever your questions are, we have the answers.
The flood level map uses letters to mark all the areas at risk for flooding. B, C and X indicate low to moderate flood risks. In contrast, A and V areas are at high risk for flooding. These places require flood insurance before your mortgage company can release the loan. If your home is worth more than $250,000, you must purchase flood insurance through a private company, as the NFIP only covers homes up to that amount.
For more information on the flood level 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.
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 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!
We'll help you:
Lower your current flood insurance premiums
Eliminate excessive & unnecessary coverage
Remove the FEMA from the claims handling process
