Federal Flood Insurance


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Federal flood insurance allows home and business owners to purchase additional protection against damage caused by rising waters. Communities that are near a flood zone should participate in a floodplain management system to reduce and prevent future flooding.

If your home is located in or around a floodplain, you should be adding flood insurance with your regular insurance. Flood insurance will cover your home and replace any valuables lost from water damage from floods. Regular homeowner's insurance does not cover repair costs caused by floods or other sources of water damage. At Holt Flood Insurance, we can work with your insurance agent to get you an affordable flood insurance rate.

Federal flood insurance is available for all home and business owners, with premiums varying depending on the flood risk level. A map of your community will determine the level of flood risk. Flood insurance is also available to renters, renters will qualify as long as their community participates in a floodplain management system. Which most communities do.

For information on federal flood insurance and the National Flood Insurance Program visit benefits.gov. If you are looking for a more affordable insurance rate, visit Holt Flood Insurance online or give us a call at 540-809-1415. For over 30 years, Timothy Holt has helped clients with finding affordable property and flood insurance rates. We have taken pride in the services we have provided to thousands of customers over the years. Contact Holt Flood Insurance today, we look forward to working with you.



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Federal Flood Insurance

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.
Edward Semambya, CPA

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

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