Flood Insurance
Affordable. Dependable. Local
Protecting New Orleans families from the ground up.
— Past National Flood Insurance Agency of the Year —
Google Rating
4.9⭐
Years Serving NOLA
20+
Number of Carriers
30+
Why It Matters
Do You Need Flood Insurance?
Many homeowners don’t realize their standard homeowners policy will not cover flood water damage. Homeowners insurance may pay for a broken pipe, but a rising body of water covering normally dry land is a completely different claim, and one that requires a separate flood policy.
The Mandate: In 1968, Congress required federally regulated lenders to mandate flood insurance on properties in high-risk areas. In some cases, mortgage lenders require it even outside designated high-risk flood zones.
The Odds: In high-risk areas, there is at least a 1 in 4 chance of flooding during a 30-year mortgage—odds far greater than the risk of fire.
The Reality: Even in lower-risk zones, 20% of all flood insurance claims come from property owners who thought they didn’t need coverage.
Louisiana Reality: Changing weather patterns have proven that anyone can be vulnerable to floods – regardless of flood zone designation. If you’re not covered, a single event can be a devastating financial blow.
1 in 4
CHANCE OF FLOODING DURING A 30-YEAR MORTGAGE IN HIGH-RISK ZONES
20%
OF FLOOD CLAIMS COME FROM OUTSIDE MAPPED HIGH-RISK AREAS
1/3
OF FEDERAL DISASTER LOANS GO TO LOW-RISK FLOOD ZONE PROPERTY OWNERS
$0
COVERED BY HOMEOWNERS INSURANCE FOR RISING WATER FLOOD DAMAGE
Policy Details
What Does Your Flood Policy Cover?
Structural Coverage
- The structure of your home and its foundation
- All electrical and plumbing systems
- A/C equipment, gas furnaces, and water heaters
- Kitchen appliances (refrigerators, stoves, built-in dishwashers)
- Installed carpeting over unfinished flooring
- Paneling, wallboard, bookcases and cabinets
Additional Structural Items
- Bathroom fixtures (sinks, toilets, showers, tubs)
- Detached garages used only for parking and storage (up to 10%)
- Removal of property debris
One Building Per Policy. All other structures require separate coverage. The detached garage exception is capped at 10% of building policy limit and only applies to garages used strictly for parking and storage.
Personal Property Coverage
- The structure of your home and its foundation
- All electrical and plumbing systems
- A/C equipment, gas furnaces, and water heaters
- Kitchen appliances (refrigerators, stoves, built-in dishwashers)
- Installed carpeting over unfinished flooring
- Paneling, wallboard, bookcases and cabinets
Additional Personal Property Items
- Bathroom fixtures (sinks, toilets, showers, tubs)
- Detached garages used only for parking and storage (up to 10%)
- Removal of property debris
One Building Per Policy. All other structures require separate coverage. The detached garage exception is capped at 10% of building policy limit and only applies to garages used strictly for parking and storage.
Items Not Covered
- The structure of your home and its foundation
- All electrical and plumbing systems
- A/C equipment, gas furnaces, and water heaters
- Kitchen appliances (refrigerators, stoves, built-in dishwashers)
- Installed carpeting over unfinished flooring
- Paneling, wallboard, bookcases and cabinets
Additional Exclusions
- Bathroom fixtures (sinks, toilets, showers, tubs)
- Detached garages used only for parking and storage (up to 10%)
- Removal of property debris
One Building Per Policy. All other structures require separate coverage. The detached garage exception is capped at 10% of building policy limit and only applies to garages used strictly for parking and storage.
Your Options
NFIP vs. Private Flood Insurance
Not all flood insurance is the same. Louisiana property owners have access to both the federally backed National Flood Insurance Program (NFIP) and private market alternatives.
Not sure which is right for you? Your Alpha Insurance agent can compare both options for your specific property, flood zone, and coverage needs — often in just a few minutes over the phone
National Flood Insurance Program
Federally backed through FEMA
- Up to $250,000 in building coverage
- Up to $100,000 in contents coverage
- Accepted by all lenders as required coverage
- Rates set by federal Risk Rating 2.0 methodology
- 30-day waiting period (with limited exceptions)
- Standard policy with defined terms
Private Flood Insurance
Offered by approved private carriers
- Higher coverage limits available
- Replacement cost value options (vs. ACV)
- May include additional living expense coverage
- Shorter or no waiting periods possible
- Rates may be lower for some flood zones
- Coverage can be tailored more specifically
Homeowners Insurance
Having quality Homeowners Insurance can give you peace of mind and the financial protection that you need if you ever need to make a claim on your homeowners insurance policy.
Flood Insurance
We can help you determine exactly how much flood insurance coverage you need and provide you with a flood insurance quote. Call us about additional details on flood insurance coverage.