Most Louisiana homeowners are surprised to learn that their homeowners policy does not cover flood damage. Not one dollar.\n\n## The hard truth\nIn 2016, more than 60% of homes flooded in the Livingston/Baton Rouge area were outside the high-risk flood zone. Their owners did not have flood insurance — and most paid out of pocket for years.\n\n## Preferred Risk Policies\nIf your home is in a low or moderate risk zone, you may qualify for a Preferred Risk Policy. Coverage often starts under $700/year for substantial protection.\n\n## What flood insurance actually covers\nBuilding coverage (foundation, walls, electrical, HVAC, built-ins) and contents coverage (furniture, clothing, appliances) are separate. Most Louisiana families need both.
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Why Almost Every Louisiana Home Should Have Flood Insurance
Standard homeowners policies do not cover flooding. Here is what that means in Louisiana — and how to protect your family.
5 min read