A flood is a general and temporary condition where 2 or more acres of normally dry land or two or more properties are inundated by water or mudflow. Your flood risk isn’t just based on history: it’s based on many factors that include current weather patterns, natural changes in the environment, and recent development in your community. Your homeowners’ or property insurance does not cover flood damage.

Flood insurance helps reduce the financial consequences of flooding, our Nation’s most common and costly natural disaster. In fact, during the past 5 years, the average flood insurance claim for the State of Louisiana was $42,295. It is important to know what is covered and what is not covered under your flood insurance policy and it, along with limits and deductibles, should be reviewed periodically for adequacy. When reviewing higher deductible options, you should keep in mind that flood insurance deductibles apply separately to a covered building and its contents.

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