Simple Flood Insurance Tips You Should Know

Flooding can happen anywhere — and it’s one of the most expensive natural disasters for homeowners. While having flood insurance is the first step in protecting your home and belongings, there are some simple tips that can help you get the most from your policy. At Holt Flood Insurance, we make understanding and managing your flood insurance easy.

Here are some essential flood insurance tips every homeowner should know.

1. Don’t Assume Homeowners Insurance Covers Floods

Standard homeowners insurance does not include flood damage. If you live in a high-risk area or want protection from unexpected flooding, you need a separate flood insurance policy. NFIP and private flood insurance policies provide coverage specifically for flood-related damage.

2. Know Your Flood Zone

FEMA assigns each property a flood zone based on its risk.

• High-risk zones (A, AE, VE, V): Greater chance of flooding, usually required by lenders to have insurance

• Moderate- to low-risk zones (B, C, X): Flooding is less likely but still possible

Knowing your flood zone helps determine your coverage needs and potential premiums.

3. Understand Your Coverage

Flood insurance policies typically include building coverage and contents coverage:

• Building Coverage: Protects the structure, including foundation, walls, floors, plumbing, and HVAC

• Contents Coverage: Protects your personal belongings, like furniture, electronics, clothing, and appliances

Make sure your coverage limits match the value of your home and possessions.

4. Consider an Elevation Certificate

Your home’s elevation relative to the Base Flood Elevation (BFE) can impact your insurance premium. An Elevation Certificate can verify your property’s height and may lower your premiums if your home is above flood level.

5. Don’t Wait Until the Last Minute

Flood insurance policies typically have a waiting period:

• NFIP: 30 days

• Private: Often 10–15 days

Buy coverage before flood season or before a storm to ensure you’re protected when it matters most.

6. Review and Update Your Policy Regularly

Your home, possessions, and flood risk can change over time. Update your policy when:

• You complete home renovations or add valuable items

• Flood maps are updated in your area

• Your property’s risk level changes

Regular reviews help avoid coverage gaps and ensure your policy meets your current needs.

7. Take Steps to Reduce Flood Damage

Physical improvements to your property can reduce flood risk and may lower your insurance premiums:

• Elevate utilities and appliances above flood levels

• Install flood vents in crawlspaces

• Maintain gutters and drainage around your property

• Use waterproof barriers for doors and windows

Prevention reduces damage and financial loss if flooding occurs.

8. Compare NFIP and Private Flood Insurance

NFIP policies provide standardized government-backed coverage, while private flood insurance often offers:

• Higher coverage limits

• Additional benefits like replacement cost contents or temporary living expenses

• Competitive premiums for certain properties

Holt Flood Insurance can help you compare options and choose the best plan for your home.

9. Keep Documentation of Your Property

Photos, receipts, and records of your home’s contents can make filing a flood insurance claim faster and easier. Store these in a safe, waterproof location or digitally in the cloud.

10. Work With Flood Insurance Experts

Flood insurance can be confusing, but you don’t have to figure it out alone. Holt Flood Insurance helps you:

• Assess your flood risk

• Review and update coverage

• Find discounts and cost-saving opportunities

• Compare NFIP and private policies

We ensure your flood insurance protects your home, belongings, and peace of mind.

Get a Flood Insurance Quote Today

Simple steps like reviewing your coverage, understanding your flood zone, and taking preventive measures can make a big difference in protecting your home. Contact Holt Flood Insurance today for a personalized quote and expert guidance.