Enter any Louisiana address to see its FEMA flood zone designation
Louisiana's flood risk is characterized by a high frequency of flash floods, alongside significant tropical storm and hurricane activity. Over the last 30 years, NOAA data indicates 2,695 flash flood events, resulting in 28 deaths, and 391 tropical storm events with 4 fatalities. Additionally, 237 hurricane events have caused 209 deaths, and 200 storm surge/tide events have led to 2 deaths.
The state's extensive coastline and river systems contribute to its vulnerability. Recent federal disaster declarations include multiple instances of Tropical Storm Francine, designated as a hurricane in September 2024. These events underscore the persistent threat from tropical weather systems impacting coastal and inland areas.
National Flood Insurance Program (NFIP) claims data reveals that Zone A areas have the highest number of claims, totaling 273,580 and resulting in over $13 billion in paid claims. While Zone X areas have fewer claims, the average payout in X_SHADED zones is notable at $44,261, suggesting that even areas not typically considered high-risk can experience significant flood-related losses. This distribution implies that flood insurance is a critical consideration for a broad range of properties across the state.
Summary generated from FEMA disaster declarations, NOAA storm events, and NFIP claim data. Updated quarterly.
Source: OpenFEMA NFIP Claims, Policies, and Disaster Declarations data.
Louisiana has received 2,670 federal disaster declarations, including 567 flood and coastal storm declarations and 806 hurricane declarations.
FEMA designates flood zones across Louisiana using the following classifications:
AE High Risk — 1% annual chance of flooding (100-year floodplain). Insurance required for federal mortgages.
VE Very High Risk — Coastal flooding with wave action. Strictest building codes.
X (Shaded) Moderate Risk — 500-year floodplain. Insurance recommended.
X Low Risk — Outside major floodplains. Insurance optional but advisable — from 2014 to 2024, nearly one-third of NFIP claims came from outside high-risk zones.
Properties in Louisiana FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance through the National Flood Insurance Program (NFIP).
The average NFIP premium in Louisiana is approximately $702 per year. Rates vary significantly based on flood zone, building elevation, and coverage amount.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from properties outside the high-risk Special Flood Hazard Area. Louisiana residents can purchase flood insurance through the NFIP or private insurers.
Visit FloodSmart.gov to find an agent and get a quote.
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