Flood Insurance in Louisiana
Reliable Protection When You Need It Most
TWFG Luarca Insurance in Covington, LA, understands that many homeowners and business owners underestimate the risks of flooding—until it's too late. Louisiana's closeness to rivers, lakes, and the Gulf Coast makes it one of the most flood-prone regions in the country. Yet, millions remain unprotected by assuming their homeowners or business insurance policies cover flood damage.
The reality? Most standard insurance policies explicitly exclude flood damage. That's why having a standalone flood insurance policy isn't only smart—it's essential.
As a leader among flood insurance companies in Louisiana, we help you secure comprehensive protection before disaster strikes.
Why Flood Insurance Matters in Louisiana
Floods are the most frequent and financially devastating natural disasters in the U.S. Each year, they cause billions of dollars in property damage, and Louisiana is often at the center of these events.
Here are a few facts that highlight the urgency:
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The average flood claim in Louisiana is around $53,400
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The average annual premium for flood insurance in the state is approximately $871
Yet, many residents only realize their coverage limits after a flood. Standard home and business policies typically exclude flood damage, leaving families and business owners to pay out of pocket or rely on insufficient federal disaster aid.
Worse yet, flood insurance policies have a 30-day waiting period, meaning you can't buy coverage once a storm approaches. Preparation must begin before the waters rise.
Flood Insurance Options for Louisiana Residents
Whether you're protecting your primary residence, rental property, or commercial asset, TWFG Luarca Insurance offers two key paths for flood coverage in Louisiana:
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Liability Insurance CoverageLouisiana law mandates liability insurance to pay for property damage or injuries you cause to others. However, it does not cover injuries you or your family may incur. You'll need additional coverages like Personal Injury Protection or Collision and Comprehensive to protect your medical expenses or vehicle. Additionally, Liability coverage does not protect your vehicle, which is where Collision and Comprehensive coverages come into play. These extra options can prevent hefty expenses following an accident. Minimum Liability Limits in Louisiana: $15,000 for Bodily Injury (per person) $30,000 for Bodily Injury (per accident) $25,000 for Property Damage We always recommend reviewing and increasing your limits to strengthen your financial protection.
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Uninsured/Underinsured Motorist CoverageAccidents involving uninsured drivers are more common than you think. Although it's not mandatory, Louisiana law requires insurers to offer Uninsured/Underinsured Motorist (UM/UIM) coverage. This critical protection occurs when the at-fault driver doesn't carry adequate insurance. Minimum UM/UIM Limits: $15,000 for Bodily Injury (per person) $30,000 for Bodily Injury (per accident) Boosting these limits can significantly enhance your peace of mind.
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SR-22 InsuranceHave you been labeled a high-risk driver? If so, Louisiana law may require you to file an SR-22—proof of financial responsibility and guarantees coverage for a specified period. If your policy is canceled or lapses, your insurer must notify the Louisiana Office of Motor Vehicles (OMV). Louisiana law requires an SR-22 in certain situations. The state typically mandates it for drivers who have: Been convicted of driving under the influence (DUI) or driving while intoxicated (DWI). Had their license suspended or revoked due to serious traffic violations? Have you been involved in an accident without proper insurance coverage? We assist drivers in obtaining and filing SR-22 forms efficiently, allowing them to regain their driving privileges confidently. If you fall into one of these categories, you may be required to obtain an SR-22 from your insurance provider to drive a vehicle, which will be filed with the Louisiana Office of Motor Vehicles (OMV). Drivers must maintain the SR-22 for a specified period, usually three years, to avoid further penalties or license suspension.
The Real Cost of Going Without Flood Insurance
Many homeowners and business owners weigh the cost of premiums without fully considering the potential consequences of not having flood insurance. It's a gamble that often ends in financial hardship. Even if your property has never flooded, one unexpected storm or surge can change everything overnight.
Without a flood policy, you may be forced to:
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Pay out-of-pocket
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Rely on limited federal disaster aid
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Delay rebuilding
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Take on debt
The truth is simple: preparation is far less expensive than recovery. With coverage from TWFG Luarca Insurance, you're not just protecting your property—you're protecting your financial future, your family's stability, and your peace of mind.
Make Data-Informed Decisions With FEMA's Flood Tool
Knowledge is power. FEMA's Interactive Flood Data Visualization Tool provides access to historical flood events across Louisiana's parishes. By analyzing this data, homeowners can better understand their property's risk level and the potential benefits of maintaining continuous coverage.
This tool also illustrates a stark truth: Federal disaster aid often falls short of rebuilding costs, while NFIP policyholders receive significantly higher payouts, streamlining recovery after a flood.
Protect your property. Preserve your peace of mind. Trust the experts at TWFG Luarca Insurance—your local leader in flood coverage that Louisiana residents depend on
Secure Flood Insurance Today
Don’t wait until it’s too late—protect your investment with flood insurance. At TWFG Luarca Insurance, we're here to help you navigate your options and secure the coverage you need. Call us today for a quote and ensure that you and your property are adequately protected from the financial impacts of flooding.
Additional Coverage Options
Frequently Asked Questions
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Liability Insurance CoverageLouisiana law mandates liability insurance to pay for property damage or injuries you cause to others. However, it does not cover injuries you or your family may incur. You'll need additional coverages like Personal Injury Protection or Collision and Comprehensive to protect your medical expenses or vehicle. Additionally, Liability coverage does not protect your vehicle, which is where Collision and Comprehensive coverages come into play. These extra options can prevent hefty expenses following an accident. Minimum Liability Limits in Louisiana: $15,000 for Bodily Injury (per person) $30,000 for Bodily Injury (per accident) $25,000 for Property Damage We always recommend reviewing and increasing your limits to strengthen your financial protection.
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Uninsured/Underinsured Motorist CoverageAccidents involving uninsured drivers are more common than you think. Although it's not mandatory, Louisiana law requires insurers to offer Uninsured/Underinsured Motorist (UM/UIM) coverage. This critical protection occurs when the at-fault driver doesn't carry adequate insurance. Minimum UM/UIM Limits: $15,000 for Bodily Injury (per person) $30,000 for Bodily Injury (per accident) Boosting these limits can significantly enhance your peace of mind.
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SR-22 InsuranceHave you been labeled a high-risk driver? If so, Louisiana law may require you to file an SR-22—proof of financial responsibility and guarantees coverage for a specified period. If your policy is canceled or lapses, your insurer must notify the Louisiana Office of Motor Vehicles (OMV). Louisiana law requires an SR-22 in certain situations. The state typically mandates it for drivers who have: Been convicted of driving under the influence (DUI) or driving while intoxicated (DWI). Had their license suspended or revoked due to serious traffic violations? Have you been involved in an accident without proper insurance coverage? We assist drivers in obtaining and filing SR-22 forms efficiently, allowing them to regain their driving privileges confidently. If you fall into one of these categories, you may be required to obtain an SR-22 from your insurance provider to drive a vehicle, which will be filed with the Louisiana Office of Motor Vehicles (OMV). Drivers must maintain the SR-22 for a specified period, usually three years, to avoid further penalties or license suspension.