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6305 Elysian Fields
Ave Ste 405
New Orleans, LA 70122

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Louisiana Flood Insurance Coverage

Flood Insurance in Louisiana

Many homeowners' policies will not cover flood damage. This is why it is necessary to purchase a separate flood insurance policy. We offer flood insurance here at MultiSurance in New Orleans, LA. Without flood insurance, you can get stuck paying thousands of dollars in damages from heavy rainfall and more. Flood insurance covers the costs of repairing the structure of your home and even replaces your personal belongings that have been damaged in the process.

Flood Insurance Requirements

Flood insurance is not legally required in Louisiana. But if you live in high-risk areas prone to flooding, you may need to purchase a flood insurance policy to qualify for a mortgage that the federal government backs.

Flood Insurance Coverage

Flood insurance covers the structure of your home and your personal items.

Structure Coverage

  • Water heaters
  • Plumbing and electrical systems
  • Foundation walls
  • Detached garages
  • Furnaces
  • Built-in appliances and cabinets
  • Well water and fuel tanks
  • Carpet that is permanently installed

Contents Coverage

  • Electronics
  • Clothing
  • Furniture
  • Curtains
  • Dryers, washers, microwaves
  • Original artwork
  • Portable AC units

If a flood damages your personal items, you will be covered on an actual cash value basis. For example, if flood waters damage your 10-year-old recline and cannot be repaired, your policy will cover enough of the cost to purchase a used recliner of similar quality and age.

It is possible to purchase higher limits and coverage if you have a lot of valuables.

Flood insurance policies may not cover the following:

  • Decks
  • Patio
  • Swimming pools
  • Currency
  • Landscaping
  • Valuable papers
  • Personal items in your basement


To receive a quote for flood insurance, call us at MultiSurance. Our office is located in New Orleans, LA. Our agents will help you choose a policy depending on your unique needs.

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Servicing States

  • Louisiana
  • Texas
  • Georgia
  • Florida
  • Mississippi
  • Alabama
  • South Carolina
  • North Carolina


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Partner Carriers

  • Abacus
  • BTIS
  • Burns & WilCox
  • CRC Group
  • Crump
  • Encompass
  • 5Star
  • Foremost
  • ISC
  • Lincoln Financial Group
  • Mutual of Omaha
  • National General
  • Neptune
  • Progressive
  • Wright Flood