how much is flood insurance?


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The most common question we get asked is, how much is flood insurance? At Holt Flood Insurance, to answer that question, we must first look at your area. If your property is in a high-risk area, you will end up paying for more for insurance than a home or business located in a low-risk area. Costs also depend on the size of your home, any construction projects, and your deductible.

We recommend that you purchase flood insurance regardless of your area as flooding can happen anywhere. Regular property insurance will not protect your home or business from water damage caused by flooding, without flood insurance, you could be paying thousands of dollars in repairs. Protect your property and its valuables with flood insurance.

So, how much is flood insurance? According to FEMA, on average, an insurance policy can cost up to $700 a year. But there are ways to decrease that amount, such as elevating your home and increase your deductible. The minimum deductible you can pay is $1000, and the maximum is $10,000. You can save 40 percent by increasing your deductible.

For more information about how much flood insurance is or any other information, 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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how much is flood insurance?

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


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