annual flood insurance premium


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How much you pay for your annual flood insurance premium depends on many factors such as where you live, the level of flood risk for the area, and where you buy your flood insurance. Private insurance agencies will charge a different rate than the NFIP. But the average yearly cost ranges from $920.

What flood insurance covers can be confusing to some people, and not knowing all the basics can lead to people not wanting to purchase flood insurance. In floods caused by weather, flood insurance will cover damages to your property such as foundation, HVAC systems, electrical and plumbing, and appliances. It will also cover personal property like clothes, furniture, electronics, and other valuables. Flood insurance is also available to renters. However, they will only need content coverage.

There are a few ways to lower your annual flood insurance premium, like elevating your utilities, installing flood openings, elevating your property, and relocating your home or business. At Holt Flood Insurance, we can also look at your current rate and help you find ways to lower it. And if you're not satisfied with your current insurance company, we can also find another one that works best for you.

For more information on an annual flood insurance premium, visit our website or give us a call at 1(540)809-1415. We will answer any questions you may have. Contact Holt Flood Insurance today.



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annual flood insurance premium

Here is what our clients are saying about us:

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!
Mike Edwards

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.
Edward Semambya, CPA

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!
Ken Reuwer


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