Flood Insurance · Louisiana
Louisiana Flood Insurance Resource Center
More than 60% of homes flooded in recent Louisiana events were outside the high-risk zone. Here's how to protect your family — without the jargon.
Why Flood Insurance Matters in Louisiana
Louisiana sits at the bottom of one of the largest watersheds in the world. Heavy rain events, hurricanes, and storm surge can flood homes in zones that have never flooded before — and standard homeowners policies cover none of it.
The good news: flood coverage in low-risk Louisiana zones is more affordable than most families expect, and it can be in place in 30 days.
Flood Zone Cheat Sheet
- Zone X
- Low to moderate risk. Not required by lender — but recommended in Louisiana. Preferred Risk Policies often under $700/yr.
- Zone AE
- High risk. Required by lender. Premium driven by your home's elevation vs. the Base Flood Elevation.
- Zone VE
- Coastal high risk with wave action. Higher premiums; elevation matters most.
What it covers
What Flood Insurance Actually Covers
Building Coverage
Foundation, walls, electrical, plumbing, HVAC, built-in appliances, cabinets, and flooring.
Contents Coverage
Furniture, clothing, electronics, appliances that aren't built in, and personal valuables (with limits).
FAQs
Common Flood Insurance Questions
Quote
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