flood determination

How flood determination levels play a part in flood insurance prices is a frequent question we answer. Along with how much will I pay for flood insurance? Do flood insurance levels matter? While differently worded, the answer is the same. The higher your flood risk, the more you will pay for flood insurance. Insurance companies use flood maps to determine flood insurance costs. The letters A and V represent high-risk areas on the flood map. Where low to moderate risk is letters B, C and X.

Where you decide to purchase your flood insurance is another factor in prices. Flood insurance through the NFIP is less expensive than private insurance companies. However, if your home is worth more than $250,000, it's best to go with a private insurance company. Homes in high-risk flood areas must have flood insurance before a mortgage is released.

Flood determination levels can be hard to understand, especially when new to flood insurance. Holt Flood Insurance is here to help make things easier for you. With over 30 years of flood insurance experience and thousands of customers served, we can answer any questions. If we don't have one immediately, we'll reply as soon as possible. And if you're familiar but looking for a better rate, we can help you too.

For more information on flood determination, visit our website or call us at (540)809-1415. Contact Holt Flood Insurance today.

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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!
Ken Reuwer

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