national flood insurance program rates


national flood insurance program rates

National Flood Insurance Program rates vary by many factors, such as the level of flood risk for your area, the age and design of your home or business, location (e.g. on the water or not) the deductible and amount of building and contents being covered. Your property's elevation can also play a factor in how much you will pay for insurance.

By lowering your flood risk, you can pay less for insurance. All you have to do is the following:

Elevate utilities such as heating and cooling systems, hot water tanks and electrical panels. Keeping them above flood elevation can prevent them from water damage, will prevent annual surcharges to your premium. Install flood openings, two flood openings on at least two exterior walls at least one square inch for each square foot of area. Elevate your property above base flood level elevation.

Fill in basements in high-risk flood areas: basements in these areas are prohibited and are not covered by the NFIP.

You can also receive a National Flood Insurance Program rate discount if your community participates in the community rating system, the discount is calculated based on their efforts to reduce flooding. At Holt Flood Insurance, we can also help work with your agent to find you a better insurance rate.

For more information about the National Flood Insurance Program or flood insurance, 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.


Here is what our clients are saying about us:

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

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

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