Flood Insurance in Louisiana: What You Need to Know

If you live in Louisiana, you probably already know that flood risk is just part of life here. From hurricane storm surge to summer downpours, it doesn’t take much to see water rising fast. And yet, many homeowners are surprised to learn that flood damage isn’t covered by standard homeowners insurance.

Let’s break it down so you know what to expect, what’s covered, and how to protect your property before it’s too late.

What Counts as a Flood?

For insurance purposes, a “flood” is defined as rising water that covers at least two acres or affects two or more properties. That includes water from:

• Heavy rain or river overflow

• Storm surge or levee breaches

• Runoff from nearby hills or drainage backups

If the water comes from the ground up even if it’s just a few inches, you’ll likely need flood insurance to cover the damage.

Why Flood Insurance Matters in Louisiana

Louisiana is one of the highest-risk states for flooding in the country. And yet, many homeowners still don’t have flood coverage because it’s not required unless you’re in a designated flood zone with a mortgage.

Here’s the problem: a quarter of all flood claims come from properties outside of high-risk zones. That means you don’t have to live near a river or the coast to need protection.

What Flood Insurance Covers (and What It Doesn’t)

Flood insurance typically covers:

1. Your home’s foundation, walls, and systems (electrical, plumbing, HVAC)

2. Appliances like refrigerators and water heaters

3. Carpets and flooring

4. Detached garages

5. Personal property, if added to your policy

It doesn’t cover:

1. Temporary housing if you’re displaced

2. Mold or mildew that could’ve been prevented

3. Damage from burst pipes or sewer backups (those may fall under other policies)

How to Get Flood Insurance in Louisiana

You can purchase flood insurance through:

1. The National Flood Insurance Program (NFIP) available through many insurance agencies

2. Private insurance companies often with different pricing or coverage limits

Keep in mind: most policies have a 30-day waiting period, so you can’t wait until a storm is brewing to get protected.

How Much Does Flood Insurance Cost?

Rates depend on your property’s flood zone, elevation, and coverage amount. Even if you're outside a high-risk zone, coverage is often affordable and far less than paying for repairs out of pocket.

Tips for Louisiana Homeowners

1. Don’t assume you're safe if you're outside a flood zone

2. Review your current insurance policies to check for gaps

3. Ask your agent about adding flood insurance to your coverage

4. Take photos of your home and belongings for documentation

Let’s Make Sure You’re Covered

At Tibbetts Insurance, we help you understand your risks and close the coverage gaps before they become problems. Whether you're in a flood zone or not, we’re happy to review your policies and help you protect what matters.

Reach out anytime we’re here to keep you covered, rain or shine. Visit our site and get your quote started today: tibbettsinsurance.com/getaquote