Living In A Flood Zone - What You Need To Know

If your home is located in a high-risk flood zone, it’s important to understand the unique challenges and responsibilities that come with protecting your property. Flooding is a serious threat, and homes in Special Flood Hazard Areas (SFHAs) are more likely to experience damage. At Holt Flood Insurance, we guide homeowners in high-risk zones to make informed decisions and secure the right coverage.

Here’s what you need to know about flood insurance if you live in a high-risk flood zone.

1. Understand Your Flood Zone

FEMA designates high-risk flood zones as areas with a 1% or greater annual chance of flooding, also known as the 100-year floodplain. Common high-risk zones include:

• Zone A – No base flood elevation determined

• Zone AE – Base flood elevation determined

• Zone V/VE – Coastal high-risk areas with velocity hazards (storm surge, waves)

Knowing your zone helps you understand your flood risk and how it impacts your insurance requirements and rates.

2. Flood Insurance Is Often Mandatory

If you have a federally backed mortgage in a high-risk flood zone, your lender will likely require flood insurance. Even if your mortgage doesn’t require it, having coverage is highly recommended because:

• Homes in high-risk zones have a greater chance of flooding

• Repairs from flood damage are expensive and often not covered by standard homeowners insurance

3. Consider Both NFIP and Private Flood Insurance

High-risk zones are eligible for both NFIP and private flood insurance.

NFIP Flood Insurance

• Government-backed, standardized coverage

• Up to $250,000 building / $100,000 contents for residential homes

• Often mandatory for mortgages in SFHAs

Private Flood Insurance

• Higher coverage limits (sometimes $1M+)

• More flexible options, including additional living expenses or replacement cost contents

• Can offer competitive premiums for high-risk properties

Holt Flood Insurance can help you compare NFIP and private policies to find the best fit for your property.

4. Elevation Matters

Your property’s elevation relative to the Base Flood Elevation (BFE) can significantly impact premiums:

• Homes above BFE may qualify for lower rates

• Homes below BFE often pay higher premiums

An Elevation Certificate can verify your property’s height and potentially reduce your costs.

5. Take Steps to Reduce Your Flood Risk

While insurance protects financially, reducing physical flood risk can also lower premiums and protect your home:

• Elevate utilities, HVAC, and electrical systems above potential flood levels

• Install flood vents in crawlspaces

• Keep drains and gutters clear

• Elevate or secure valuable personal items

Some of these improvements may qualify you for discounts on your flood insurance.

6. Plan Ahead and Avoid Last-Minute Coverage

Flood insurance policies typically include a 30-day waiting period before coverage starts (NFIP), so purchasing coverage before a storm or flood season is crucial. Private insurance may offer shorter waiting periods, but planning ahead is always the safest approach.

7. Work with Experts Who Understand High-Risk Zones

Navigating flood insurance in a high-risk zone can be confusing. Holt Flood Insurance helps homeowners by:

• Explaining flood zones and risk levels

• Comparing NFIP and private flood insurance policies

• Finding discounts based on property improvements and elevation

• Providing fast, accurate quotes tailored to your property

We help you protect your home and your investment with the right flood insurance.

Protect Your Home Today

Living in a high-risk flood zone doesn’t have to be stressful — but having the right flood insurance is essential. Contact Holt Flood Insurance today to get a personalized quote and ensure your property is fully protected.