500 year flood plain map

A 500-year flood plain map is a tool that helps label areas at risk for getting 500 years' worth of rain. The chances of this happening are low, and because records only go back so far, it can be challenging to determine how much rain 500 years' worth is.While the chances of getting 500 years' worth of rain are slim, we have seen the effects large storms have had on cities in the past. Studying these storms can help us prepare for the next one. One of the things we have learned from the weather is the importance of flood insurance. And with 30 ...[More]

500 year flood plain map

A 500-year flood plain map is a tool that helps label areas at risk for getting 500 years' worth of rain. The chances of this happening are low, and because records only go back so far, it can be challenging to determine how much rain 500 years' worth is.While the chances of getting 500 years' worth of rain are slim, we have seen the effects large storms have had on cities in the past. Studying these storms can help us prepare for the next one. One of the things we have learned from the weather is the importance of flood insurance. And with 30 ...[More]

flood zone by address

Mapping a flood zone by address is a tool created by the Federal Emergency Management Agency (FEMA) that helps designate areas with a higher risk of flooding. Not only will this tool help the government, but also buyers who are looking in a specific area for their home or business. However, property owners should be aware that everyone is at risk for flooding. The best way to protect your home or business is by purchasing flood insurance through an insurance agency. Specifically, one that has experience with flood insurance, like Holt Flood Ins...[More]

flood zone by address

Mapping a flood zone by address is a tool created by the Federal Emergency Management Agency (FEMA) that helps designate areas with a higher risk of flooding. Not only will this tool help the government, but also buyers who are looking in a specific area for their home or business. However, property owners should be aware that everyone is at risk for flooding. The best way to protect your home or business is by purchasing flood insurance through an insurance agency. Specifically, one that has experience with flood insurance, like Holt Flood Ins...[More]

flood insurance recommendations

When considering flood insurance, it's important to ensure that you have adequate coverage and understand the terms and conditions of your policy.Here are some recommendations to guide you through the process: Assess Your Risk FEMA Flood Maps: Check the Federal Emergency Management Agency (FEMA) flood maps to determine your flood zone.Properties in high-risk areas have different requirements and higher premiums.Local History: Look into the history of flooding in your area to gauge the likelihood of future events.Types of Coverage Building Prop...[More]

flood insurance recommendations

When considering flood insurance, it's important to ensure that you have adequate coverage and understand the terms and conditions of your policy.Here are some recommendations to guide you through the process: Assess Your Risk FEMA Flood Maps: Check the Federal Emergency Management Agency (FEMA) flood maps to determine your flood zone.Properties in high-risk areas have different requirements and higher premiums.Local History: Look into the history of flooding in your area to gauge the likelihood of future events.Types of Coverage Building Prop...[More]

flood zone dangers

Living in a flood zone poses several dangers, including: Property Damage: Floodwaters can cause extensive damage to homes, buildings, and infrastructure, leading to costly repairs or even total destruction.Health Risks: Floodwaters can be contaminated with sewage, chemicals, and other hazardous substances, posing risks of waterborne diseases and infections.Loss of Life: Flooding can be deadly, particularly in severe cases where people are trapped or swept away by fast-moving waters.Displacement: Floods can force people to evacuate their homes, ...[More]

flood zone dangers

Living in a flood zone poses several dangers, including: Property Damage: Floodwaters can cause extensive damage to homes, buildings, and infrastructure, leading to costly repairs or even total destruction.Health Risks: Floodwaters can be contaminated with sewage, chemicals, and other hazardous substances, posing risks of waterborne diseases and infections.Loss of Life: Flooding can be deadly, particularly in severe cases where people are trapped or swept away by fast-moving waters.Displacement: Floods can force people to evacuate their homes, ...[More]

100 year flood zone

What is a 100-year flood zone? This term can often be confusing to people. They may think that the possibility of high flood levels can only happen once every 100 years. The term 100-year flood means that there is a one percent chance that extreme flooding can occur during any year. Even a tiny amount of water can cause significant damage. That is why flood insurance is essential regardless of flood risk. While you have flood coverage with your home insurance, it only applies to accidental flooding, not weather related. You can purchase flood i...[More]

100 year flood zone

What is a 100-year flood zone? This term can often be confusing to people. They may think that the possibility of high flood levels can only happen once every 100 years. The term 100-year flood means that there is a one percent chance that extreme flooding can occur during any year. Even a tiny amount of water can cause significant damage. That is why flood insurance is essential regardless of flood risk. While you have flood coverage with your home insurance, it only applies to accidental flooding, not weather related. You can purchase flood i...[More]

Flood zone insurance rates

At Holt Flood insurance, we calculate flood zone insurance rates by the flood risk level for your area as identified on a flood map. Higher-risk areas will pay less for flood insurance than those at a low to moderate risk. We also consider the type of coverage you need, such as if you need property and content or just content insurance. With over 30 years of flood insurance experience, you can trust your expertise on the subject. When you're looking to purchase a home in a high-risk flood zone, you must provide proof of flood insurance before m...[More]

Flood zone insurance rates

At Holt Flood insurance, we calculate flood zone insurance rates by the flood risk level for your area as identified on a flood map. Higher-risk areas will pay less for flood insurance than those at a low to moderate risk. We also consider the type of coverage you need, such as if you need property and content or just content insurance. With over 30 years of flood insurance experience, you can trust your expertise on the subject. When you're looking to purchase a home in a high-risk flood zone, you must provide proof of flood insurance before m...[More]

how much flood coverage do I need?

How much flood insurance coverage do I need is another common question clients ask their insurance companies. And the answer depends on what they are protecting. For example, home and business owners will require building and content insurance. Renters only need content insurance as their landlord would cover their building.The insurance cost always depends on the flood risk level for the area. High-risk areas pay more for flood insurance than those at a lower risk. You can buy flood insurance through the NFIP or a private insurance provider. A...[More]

how much flood coverage do I need?

How much flood insurance coverage do I need is another common question clients ask their insurance companies. And the answer depends on what they are protecting. For example, home and business owners will require building and content insurance. Renters only need content insurance as their landlord would cover their building.The insurance cost always depends on the flood risk level for the area. High-risk areas pay more for flood insurance than those at a lower risk. You can buy flood insurance through the NFIP or a private insurance provider. A...[More]

private flood insurance info

Private flood insurance is an option for homeowners, renters, and businesses to protect their property from flood-related damages, which are not typically covered under standard property insurance policies. Here's an overview of key points about private flood insurance:What is Private Flood Insurance?Private Flood Insurance: This is an alternative to the National Flood Insurance Program (NFIP) provided by the federal government. It is offered by private insurance companies.Coverage: Private flood insurance policies often offer broader and more ...[More]

private flood insurance info

Private flood insurance is an option for homeowners, renters, and businesses to protect their property from flood-related damages, which are not typically covered under standard property insurance policies. Here's an overview of key points about private flood insurance:What is Private Flood Insurance?Private Flood Insurance: This is an alternative to the National Flood Insurance Program (NFIP) provided by the federal government. It is offered by private insurance companies.Coverage: Private flood insurance policies often offer broader and more ...[More]

No flood insurance What to do

I have no flood insurance. What to do next? It is a question clients will ask when contacting us. And the first thing we tell them is not to panic. They are not without help. FEMA provides grants to individuals without flood insurance to fix their homes. This grant is called the individuals and household program or IHP.The IHP is available to those living in an area devastated by a catastrophe which includes flooding. These grants can help restore homes to liveable conditions. While grants can go up to $33,000, there is no guarantee anyone will...[More]

No flood insurance What to do

I have no flood insurance. What to do next? It is a question clients will ask when contacting us. And the first thing we tell them is not to panic. They are not without help. FEMA provides grants to individuals without flood insurance to fix their homes. This grant is called the individuals and household program or IHP.The IHP is available to those living in an area devastated by a catastrophe which includes flooding. These grants can help restore homes to liveable conditions. While grants can go up to $33,000, there is no guarantee anyone will...[More]

flooded areas near me

If our clients ask us how do I find flooded areas near me? We can find the answer to this question by looking at the flood map. A flood map is a specialized map designed by FEMA with the help of communities. These maps show which areas are at risk for flooding and the level of flood risk, low to moderate or high.Not only do we use flood maps to determine which areas are at risk for flooding, but we also use them to determine how much our clients will pay for flood insurance. High-risk areas will pay more for flood insurance than low to moderate...[More]

flooded areas near me

If our clients ask us how do I find flooded areas near me? We can find the answer to this question by looking at the flood map. A flood map is a specialized map designed by FEMA with the help of communities. These maps show which areas are at risk for flooding and the level of flood risk, low to moderate or high.Not only do we use flood maps to determine which areas are at risk for flooding, but we also use them to determine how much our clients will pay for flood insurance. High-risk areas will pay more for flood insurance than low to moderate...[More]