flood risk home insurance


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Flood risk home insurance is different than regular home insurance as it protects your property from damages caused by rising waters. Those who live in areas at high risk for floods need to purchase flood insurance before their mortgage company lends them money for their home. Those areas that are at high risk are marked with the letters A and V.

Those areas at a lower risk for flooding aren't required to purchase flood insurance. Still, at Holt Flood Insurance, we highly recommend that everyone buys flood insurance as their regular property insurance will not cover water damages caused by rising waters due to storms and other acts of nature.

The amount you pay for flood risk home insurance depends on the level of risk for your area. For example, those living in a low to moderate risk will pay less for insurance than those who live in a higher risk zone. However, there are ways to lower your costs, such as elevating any utilities, filling in basements, installing flood gates, moving your residence, and elevating your home. If you've done any of those things and are still unhappy with the rate, you're paying. Holt Flood Insurance can take a look and see if we can make any changes.

For more information on flood risk home insurance, 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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flood risk home 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


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