FEMA firm map

A FEMA firm map is a map that shows which communities are at risk for flooding and how much it will cost for flood insurance in that area. Areas marked with an A and a V are classified as high risk for flooding will pay more for insurance premiums than those at lower risk. Low-risk areas are indicated with the letters B, C, and X.Flood insurance is available to everyone, home, business owners, and renters. You can purchase flood insurance through the NFIP or a private insurance agency. Insurance through the NFIP is at a low cost. However, it ma . . . [More]

FEMA firm map

A FEMA firm map is a map that shows which communities are at risk for flooding and how much it will cost for flood insurance in that area. Areas marked with an A and a V are classified as high risk for flooding will pay more for insurance premiums than those at lower risk. Low-risk areas are indicated with the letters B, C, and X.Flood insurance is available to everyone, home, business owners, and renters. You can purchase flood insurance through the NFIP or a private insurance agency. Insurance through the NFIP is at a low cost. However, it ma . . . [More]

flood zone x

If your property is marked flood zone X on the flood map, your area is at a low to moderate risk for flooding. So, what does that mean in terms of flood insurance? Those who own homes or businesses in these areas will pay less for flood insurance than those in the higher-risk areas.Understanding flood insurance can be complicated, and you may have many questions before making this purchase. At Holt Flood Insurance, we are here to help answer any of your concerns. With over 30 years of flood insurance experience and thousands of customers served . . . [More]

flood zone x

If your property is marked flood zone X on the flood map, your area is at a low to moderate risk for flooding. So, what does that mean in terms of flood insurance? Those who own homes or businesses in these areas will pay less for flood insurance than those in the higher-risk areas.Understanding flood insurance can be complicated, and you may have many questions before making this purchase. At Holt Flood Insurance, we are here to help answer any of your concerns. With over 30 years of flood insurance experience and thousands of customers served . . . [More]

Warning Signs of a Coming Flood

With climate change, we are starting to see an increase in active and severe weather, which leads to larger amounts of rainfall. An increase in rainfall means an increase in flood risks.Flooding can happen at any time and anywhere, not just in the higher risk areas. The best way to protect our properties from repair costs due to water damage is with flood insurance. But there are other ways as well, and one of these ways is to know the warning signs of a flood before they happen so we can prepare our properties for a potential flood.So how do w . . . [More]

Warning Signs of a Coming Flood

With climate change, we are starting to see an increase in active and severe weather, which leads to larger amounts of rainfall. An increase in rainfall means an increase in flood risks.Flooding can happen at any time and anywhere, not just in the higher risk areas. The best way to protect our properties from repair costs due to water damage is with flood insurance. But there are other ways as well, and one of these ways is to know the warning signs of a flood before they happen so we can prepare our properties for a potential flood.So how do w . . . [More]

flood quotes

Many factors are used to determine flood quotes, and insurance companies will take a look at them before giving you an estimate on how much you will be paying for flood insurance. They will look at the level of flood risk for the area, location of utilities, and more.As the weather becomes more intense with each year, it is essential to protect your home and business with flood insurance, even if your property is not located in a flood zone. Flooding can happen anywhere, and at any time, and without flood insurance, you could be spending thousa . . . [More]

flood quotes

Many factors are used to determine flood quotes, and insurance companies will take a look at them before giving you an estimate on how much you will be paying for flood insurance. They will look at the level of flood risk for the area, location of utilities, and more.As the weather becomes more intense with each year, it is essential to protect your home and business with flood insurance, even if your property is not located in a flood zone. Flooding can happen anywhere, and at any time, and without flood insurance, you could be spending thousa . . . [More]

Stopping Cross-Contamination in the Refrigerator

Storing your food properly is essential for food safety, especially if you’re in the restaurant business. Learn how you can prevent cross-contamination inside your refrigerator.What is Cross-Contamination?Cross-contamination is when food becomes contaminated with any harmful agents or substances. One example of this is when dangerous bacteria spreads to other foods or surfaces. It’s really easy for cross-contamination to occur without you realizing it, especially in a commercial kitchen. Consuming contaminated food is a serious health risk, . . . [More]

Stopping Cross-Contamination in the Refrigerator

Storing your food properly is essential for food safety, especially if you’re in the restaurant business. Learn how you can prevent cross-contamination inside your refrigerator.What is Cross-Contamination?Cross-contamination is when food becomes contaminated with any harmful agents or substances. One example of this is when dangerous bacteria spreads to other foods or surfaces. It’s really easy for cross-contamination to occur without you realizing it, especially in a commercial kitchen. Consuming contaminated food is a serious health risk, . . . [More]

flood coverage options

Flood coverage can be crucial for protecting your property against water damage from floods.Here are some common flood coverage options: National Flood Insurance Program (NFIP): Managed by the Federal Emergency Management Agency (FEMA).Available to property owners in participating communities.Offers coverage for buildings and contents.Has limits: $250,000 for building property and $100,000 for personal property for residential structures.Private Flood Insurance: Offered by private insurers.Often provides higher coverage limits than NFIP.Can inc . . . [More]

flood coverage options

Flood coverage can be crucial for protecting your property against water damage from floods.Here are some common flood coverage options: National Flood Insurance Program (NFIP): Managed by the Federal Emergency Management Agency (FEMA).Available to property owners in participating communities.Offers coverage for buildings and contents.Has limits: $250,000 for building property and $100,000 for personal property for residential structures.Private Flood Insurance: Offered by private insurers.Often provides higher coverage limits than NFIP.Can inc . . . [More]

flood determination

How flood determination levels play a part in flood insurance prices is a frequent question we answer. Along with how much will I pay for flood insurance? Do flood insurance levels matter? While differently worded, the answer is the same. The higher your flood risk, the more you will pay for flood insurance. Insurance companies use flood maps to determine flood insurance costs. The letters A and V represent high-risk areas on the flood map. Where low to moderate risk is letters B, C and X. Where you decide to purchase your flood insurance is an . . . [More]

flood determination

How flood determination levels play a part in flood insurance prices is a frequent question we answer. Along with how much will I pay for flood insurance? Do flood insurance levels matter? While differently worded, the answer is the same. The higher your flood risk, the more you will pay for flood insurance. Insurance companies use flood maps to determine flood insurance costs. The letters A and V represent high-risk areas on the flood map. Where low to moderate risk is letters B, C and X. Where you decide to purchase your flood insurance is an . . . [More]

Flood insurance deductible options

Flood insurance deductible options are as follows. You can choose a higher deductible to lower the overall cost of flood insurance or a lower deductible which can be costly. Both the NFIP and private insurance companies offer these types of deductibles. Deductibles through the NFIP may be eligible for a discount.While flood coverage through the NFIP is less expensive, your options may be limited if your area is at low risk for flooding. With flood insurance through the NFIP, you can receive a 2.5% discount by increasing your building deductible . . . [More]

Flood insurance deductible options

Flood insurance deductible options are as follows. You can choose a higher deductible to lower the overall cost of flood insurance or a lower deductible which can be costly. Both the NFIP and private insurance companies offer these types of deductibles. Deductibles through the NFIP may be eligible for a discount.While flood coverage through the NFIP is less expensive, your options may be limited if your area is at low risk for flooding. With flood insurance through the NFIP, you can receive a 2.5% discount by increasing your building deductible . . . [More]

private flood insurance companies

Flood insurance through private flood insurance companies is different than insurance through the NFIP. For a while, property owners and renters could only purchase insurance through the NFIP. But once insurance companies started selling flood insurance, everything changed, and buyers had more options when it came to protecting their homes and businesses.With over 30 years of flood insurance experience, Holt Flood Insurance can help you with your flood insurance needs. If you're new to flood insurance, we will help answer any flood-related ques . . . [More]

private flood insurance companies

Flood insurance through private flood insurance companies is different than insurance through the NFIP. For a while, property owners and renters could only purchase insurance through the NFIP. But once insurance companies started selling flood insurance, everything changed, and buyers had more options when it came to protecting their homes and businesses.With over 30 years of flood insurance experience, Holt Flood Insurance can help you with your flood insurance needs. If you're new to flood insurance, we will help answer any flood-related ques . . . [More]

flood risk

If you live in an area with any level of flood risk, you will want flood insurance. And if that risk is high, then you are required to purchase flood insurance before your mortgage company gives you a loan. And if you're a tenant, you may also want to buy flood insurance to protect your belongings in case of a flood.You may ask, I'm not near any water. My risk is low for flooding, so why should I purchase flood insurance? The answer is, flooding can happen anywhere to anyone. Without flood insurance, you could be spending thousands of dollars o . . . [More]

flood risk

If you live in an area with any level of flood risk, you will want flood insurance. And if that risk is high, then you are required to purchase flood insurance before your mortgage company gives you a loan. And if you're a tenant, you may also want to buy flood insurance to protect your belongings in case of a flood.You may ask, I'm not near any water. My risk is low for flooding, so why should I purchase flood insurance? The answer is, flooding can happen anywhere to anyone. Without flood insurance, you could be spending thousands of dollars o . . . [More]