Flood risk zones

Flood risk zones are areas that are prone to flooding. Each zone has a different flood risk, low to moderate and high. Depending on the location, flood insurance rates will vary. Those with a higher risk will pay less than properties in a low to moderate zone. High-risk properties require flood insurance before banks can release a mortgage.

When purchasing flood insurance for the first time, you may have many questions, and Holt Flood Insurance is here to help. Such as, do I go with a private company or the NFIP? Do I need flood insurance in a low-risk zone? And many more. With over 30 years of flood insurance experience, you can trust us to deliver the answers you need. And if we don't have an answer right away, we will get back to you as soon as possible.

You can find flood risk zones by looking at the flood map. A flood map is a tool created by FEMA with the help of communities to indicate levels of risk for specific areas. The map uses letters B, C, and X to indicate low-risk areas and A and V to indicate high-risk areas for flooding. Not only is the flood map a valuable tool for potential property owners. Flood insurance companies use it to determine flood insurance costs.

For more information on flood zone risks, visit our website or call (540)809-1415. Contact Holt Flood Insurance today. We will answer any questions you may have.

Back

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 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