When looking into flood insurance, flood zone areas determine the coverage you need and how much it will cost. Properties in lower-risk areas will pay less than those of higher risk. It is worth noting that if you want to purchase a home in a high-risk area, you will need flood insurance before a mortgage company releases the loan.
At Holt Flood Insurance, if you are new to flood insurance, we can help you determine the coverage you need. And if you are looking for a better rate or have moved to a different area, we can review your current policy and make any necessary adjustments. With over 30 years of flood insurance experience and thousands of customers served, you can trust us with your insurance needs.
You can find flood zone areas on the flood map. A flood map is a tool created by FEMA with the help of participating communities to understand flood zones better. Areas at high risk are letters A, and V. Low to moderate risk have the letters B, C, and X. Flood insurance companies will also use these maps to help their clients determine the amount of flood insurance they need and the cost.
For more information on flood zone areas, visit our website or call us at (540)809-1415. We will answer any questions you may have. Contact Holt Flood Insurance today.
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