"Our daughter has been pleading for us to move and there will be a time when we're not young and can't drive a car. We can't sell our home," she said.
These concerns represent a national problem. According to a September article in the Insurance Journal, one of the representatives the bill was named after, expressed concerns about the increased costs.
Rep. Maxine Waters, D-Calif., told the Insurance Journal that she was "outraged by the increased costs of flood insurance premiums that have resulted from the Biggert-Waters Act." She said she never intended for premiums to skyrocket.
Beth Ryan, spokeswoman with the West Virginia Attorney General's office, said the office is aware of the concerns with the Biggert-Waters Flood Insurance Reform Act.
"We are analyzing the implications of the act on West Virginia citizens and property owners," the statement says. "To date, our office has not received any complaints."
Grishaber said many people are getting letters from the insurance company telling them to get elevation certificates, which can hurt or help them.
This certificate will have the base flood elevation, the lowest floor elevation and the highest floor elevation.
Grishaber said Kanawha County has 90 minus rated structures where the building is insured but people are paying a higher rate for various reasons. He said these residents are getting letters asking to call and set up times to meet and review the structure to see what they can do to improve their situation.
There are a few things people can do to help decrease their rates, Grishaber said. He explained people can get an elevation certificate and sometimes, the solution can be as simple as elevating an air conditioner or furnace.
However, it may not make a big difference to everyone.
Grishaber said one Clendenin resident was told to take out an expensive loan to fill in the basement and raise the remainder of the house two feet above the base flood zone to get a lower rate.
He said if that resident did so, she would end up owing $140,000 on a $50,000 home, while cutting her living space in half.
Grishaber said people also may call their municipality's flood plain administrators if they have questions and they will assist residents the best way they can.
The attorney general's office encourages people to contact the Consumer Protection office at 1-800-368-8808 if they experience substantial increases in flood insurance because of the act.
For Holmes, he hopes a solution will come up so he won't have to lose his home.
"I love this neighborhood and I love this house and now, I'm going to lose it before I can enjoy it," he said. "It's disheartening. I never know when I go to work if I'm going to get a call saying I have to get out."