Flood Insurance in Louisiana

Quotes & Local Coverage Help

Is your home protected from Louisiana’s next big storm? Don’t wait to get a flood insurance quote. We offer policies for homes, condos, and rentals. Lean on our local expertise to help you understand what’s covered.

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Floods are one of the most common — and costly — disasters in Louisiana. And when they strike, the damage can be overwhelming.

Whether you live in New Orleans, Metairie, Slidell, or anywhere along the Gulf Coast, flood insurance is essential to protect your property, your savings, and your ability to rebuild.

At TWFG Landeche Insurance, we help you get the coverage you need — without the confusion. We’re based right here in Louisiana and specialize in helping families prepare for what their standard homeowners policy doesn’t cover.

Water flooding a road. A yellow sign has black letters that say "flood." Flooding is typical in Louisiana which is why flood insurance in Louisiana is important.

💦 Why Do You Need Flood Insurance in Louisiana?

Louisiana is one of the most flood-prone states in the country — and it’s not just coastal homes at risk. Heavy rain, tropical storms, and overflowing bayous can cause serious damage anywhere in the state.

Here’s why flood insurance is so important here:

✔ Hurricanes & tropical storms can dump inches of rain in hours.

✔ Even a few inches of water can cause tens of thousands of dollars in damage.

✔ Standard homeowners policies don’t cover flood damage.

✔ 1 in 5 flood claims comes from low and moderate-risk areas.

Example: Your home in Baton Rouge isn’t in a high-risk zone — but a stalled storm causes street flooding and water enters your home. Without flood insurance, you’d pay for repairs out of pocket.

Flood insurance helps you recover faster — and protects your savings when the unexpected happens.

A large white building with a red fence is getting flooded by dirty water. This common in New Orleans, and people in the area need to get a Louisiana flood insurance quote.

💦 What Does Flood Insurance Cover?

Flood insurance can help repair, replace, and recover when rising water enters your home.

  • 🏠 Your home’s structure
    Foundation, walls, floors, HVAC systems
    Ex: Floodwaters damage your drywall and subfloor — insurance pays to rebuild.

  • 🛋️ Your personal belongings
    Furniture, appliances, clothing, and electronics
    Ex: Your washer, couch, and bedroom furniture are ruined — coverage kicks in.

  • 🏢 Condos & rentals
    Options available for unit owners & tenants
    Ex: Renters can protect their stuff — even if the landlord has a policy.

  • 🚫 What’s not covered
    Basements, pools, cash, cars, and some outdoor items
    We’ll help you understand the fine print — before you buy.

A paper on a brown desk with "Flood Insurance" written in bold letters across the top. Flood insurance is important in Louisiana.

Why Louisiana Chooses TWFG Landeche Insurance for Flood Insurance

✔ Local & experienced — Based in Metairie, serving New Orleans + all of Louisiana.

✔ Clear advice — We explain coverage in plain language.

✔ Competitive rates — Get fast quotes from reliable carriers.

✔ Storm-smart — We understand hurricane & flood risks in your exact area.

✔ Claims support — We’re here when you need help, not just when you sign up.

Not sure what you need? We’ll help you with your flood insurance in Louisiana based on your needs and risks. Call/text us at 504-228-7184.

★★★★★

“A neighbor recommended Landeche. I was very surprised and pleased by their effort to find an insurance policy that was comprehensive and ‘price competitive’ in an extremely difficult insurance market. If you need a review of your insurance, do yourself a favor and talk to Landeche.”

— Midge Donald

FAQs

Common Questions About Flood Insurance In Louisiana

  • No — most homeowners policies do not cover flood damage. You need a separate policy.

  • Rates vary by flood zone, elevation & coverage amount. Some homes pay $400/year, others may pay $1,500+. We’ll get you an accurate quote fast.

  • Yes! If you rent a home or apartment, you can cover your belongings with a renter’s flood policy.

  • No — but it’s still smart. Over 20% of flood claims come from low- or moderate-risk areas.

  • Not always. We offer both NFIP (FEMA-backed) policies and private market options that may offer better rates or faster payouts.

  • Usually yes — most policies have a 30-day waiting period before coverage begins.

Get a Free, No-Obligation Quote

Simple. Fast. Local.

Just fill out our quick form or call/text us at 504-228-7184. One of our licensed agents will reach out with options tailored to your flood insurance needs and goals—no spam, no pressure.

Don’t wait for the next storm — get covered today.

You can’t stop a flood, but you can be ready for it.

👉 Call 504-228-7184 or Request Your Quote Now