Flood Insurance in Louisiana 
Reliable Protection When You Need It Most

Louisiana is prone to flooding, and standard home or business policies typically don't cover flood damage. Flood insurance helps protect your property and finances from devastating damage caused by floods, the most frequent and costly natural disasters in the U.S.

You can choose between the National Flood Insurance Program (NFIP), which offers basic coverage, or private flood insurance for broader protection. Private policies may offer higher coverage limits, quicker claim processing, and more comprehensive protection for high-risk properties.

Your premium depends on factors like your property's location, elevation, flood zone, and the type of coverage you select. Homes in flood-prone areas or at lower elevations generally face higher premiums. Mitigation upgrades, like elevating your home, can help lower costs.

Without flood insurance, you may face significant out-of-pocket costs for repairs, be forced to rely on limited federal disaster aid, or face lengthy delays in recovery. Flood insurance is a small investment compared to the potential financial hardship after a flood.

Use FEMA's Flood Data Tool to understand your property's flood risk and make informed decisions about coverage. This tool shows historical flood data and highlights how flood insurance can offer higher recovery payouts than federal disaster aid in the event of a flood.

Backed by the federal government, the NFIP is one of the most widely known flood insurance options. These policies are often ideal for homeowners in moderate-risk zones or properties meeting the program's eligibility guidelines.

The NFIP offers two core coverages:

• Dwelling Coverage – Up to $250,000 to repair or rebuild the physical structure of your home

• Personal Property Coverage – Up to $100,000 to replace belongings such as furniture, electronics, and clothing

While NFIP coverage is standardized and widely accepted by mortgage lenders, it has limitations. It may not cover all types of water damage, certain outbuildings, or additional living expenses. Still, it's a foundational layer of protection for many Louisiana residents.

For those seeking broader coverage, private flood insurance offers a flexible and often more expansive alternative to NFIP. These policies are especially valuable for properties in Special Flood Hazard Areas (SFHAs) or those whose home values exceed NFIP limits.

Advantages of private flood insurance include:

• Higher coverage limits – Suitable for high-value homes and businesses

• Broader property protection – May consist of coverage for basements, pools, garages, or fences

• Shorter waiting periods – Some private insurers offer reduced waiting times for new policies

• Additional living expenses – Reimburses hotel costs and meals if you're temporarily displaced

TWFG Luarca Insurance helps you weigh both options and select the right one based on your home's location, flood zone classification, and overall risk tolerance.

A combination of factors determines your flood insurance premium, many of which reflect your property's flood risk profile. Understanding these factors can help you make informed choices and reduce your premiums.

1. Type of Coverage

A dwelling-only policy (structure only) will typically cost less than one that includes contents coverage (your belongings). Choosing between these depends on your property's value and your risk exposure.

2. Property Elevation and Location

Homes built at or above base flood elevation (BFE) typically receive lower premiums. Properties located in low-lying areas, near bodies of water, or within FEMA-designated SFHAs often come with higher rates due to increased risk.

3. Mitigation Features

Certain upgrades can help reduce your flood insurance premium, such as:

• Elevating your home above BFE

• Installing flood vents or sump pumps

• Using water-resistant materials for flooring and walls

• Raising HVAC systems, electrical panels, and other equipment above ground level

4. Insurance Carrier

Prices vary between flood insurance companies in Louisiana, especially in the private market. That's why it's critical to compare quotes, which TWFG Luarca does for you at no cost.