nfip flood insurance policy

The NFIP flood policy has two objectives. One is to provide flood insurance, and the other is to reduce flood risk for all areas by creating flood management practices. FEMA manages the NFIP and is responsible for creating useful tools such as flood maps. These Flood maps indicate which areas are at risk for flooding.

Weather patterns change over time, and as these patterns change, so does the flood risk. One area could go from a low risk of flooding to high risk and vice versa. FEMA often enlists the help of communities to help keep them informed so they can update the flood maps. Private insurance companies also use these maps to estimate the cost of flood insurance for their clients.

While the NFIP flood insurance policy is more affordable than private insurance, there are some coverage limits. For example, if your home is worth more than $250,000 and you own high-value items, it's best to go with a private insurance company. We work with the NFIP and several private companies at Holt Flood Insurance. If you need help deciding which flood coverage to go with, we can help you. With over 30 years of flood insurance experience and thousands of customers served, you can trust us to give you the best advice.

For more information on the NFIP flood policy, 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

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

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