Flood zone insurance costs

Flood zone insurance costs vary between flood risks and the type of coverage.

Properties in designated high-risk zones will pay more for insurance than those at a lower to moderate risk.

And if you own the home or building, you will need to purchase building and content insurance, whereas renters only need content.

In some cases, flood insurance is mandatory.

All homes in high-risk flood zones must have flood insurance before the bank releases a mortgage.

At Holt Flood Insurance, we recommend everyone buys flood insurance.

While it may seem like an added expense for those who don't need it, not having flood insurance means paying thousands of dollars on repairs and replacing lost items out of pocket.

Flood zone insurance costs differ between the NFIP, a private insurance company, and each state.

Insurance through the NFIP is more affordable.

However, there are some limits.

The NFIP only covers homes less than $250,000.

So, if your home is worth more, you are best to buy your flood insurance through a private insurance company.

If you need to know which flood coverage works for you, trust the experts at Holt Flood Insurance.

With over 30 years of flood insurance experience, we can help you with all your flood insurance needs.

For more information on flood zone insurance rates, visit our website or call us at (540)809-1415.

We will answer any questions you may have.

Contact Holt Flood Insurance today.

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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

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