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Flood Insurance

Protect your home from rising water

Louisiana flood insurance coverage

In Louisiana, flood insurance is essential

Standard homeowners insurance does not cover flood damage. In Louisiana — where storm surge, tropical systems, and overwhelmed drainage cause flooding every year — a separate flood policy is the only way to be protected when water rises. Whether you're in a mapped high-risk flood zone or not, flooding can reach you.

The Stewart Agency writes flood policies through both the National Flood Insurance Program (NFIP) and select private carriers. We'll help you understand which option makes sense for your home and your flood zone.

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Flood-covered home

Comprehensive flood protection

A flood policy covers what your standard homeowners policy can't. Don't wait for a forecast to find out you're underinsured — by then, the 30-day NFIP waiting period has already started.

  • Dwelling Coverage
  • Foundation & Structural
  • Personal Contents
  • Debris Removal
  • Detached Structures
FAQ

Frequently Asked Questions

Do I need flood insurance if I'm not in a flood zone?
Yes, often — and especially in Louisiana. More than 20% of flood claims come from homes outside high-risk flood zones. Flash flooding, overwhelmed storm drains, and hurricane storm surge regularly affect properties in Zone X and other "low-risk" areas. Baton Rouge's August 2016 flood — which damaged tens of thousands of homes — is a textbook example of low-risk-zone flooding. If your home can be reached by water, it can flood.
How long before my flood insurance takes effect?
Standard NFIP policies have a 30-day waiting period before coverage starts. This is why flood insurance has to be bought before a storm is named — you cannot wait for the forecast. Private flood policies sometimes have shorter waits, and there are limited exceptions for new mortgages and policy assumptions. Call us before hurricane season, not during.
What does flood insurance actually cover?
An NFIP policy covers the physical structure of your home (up to $250,000) and its contents (up to $100,000) from rising water. It does NOT cover temporary living expenses after a flood, landscaping, or vehicles (those are covered by comprehensive auto). Private flood policies can cover higher limits and additional living expenses — important for higher-value Louisiana homes.
What's the difference between NFIP and private flood?
NFIP is the federal program — capped limits, regulated rates, and standardized coverage. Private flood insurance is offered by private carriers and often provides higher limits, replacement-cost contents coverage, and additional living expenses, sometimes at a lower premium. We compare both for every flood quote.
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Local Louisiana agents who understand your flood risk

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