About Flood Insurance
Flood insurance is essential in Louisiana, where flooding is a significant risk regardless of your location. Standard homeowners insurance does not cover flood damage, so separate flood insurance is necessary. Whether you're in a high-risk flood zone or not, flood insurance protects your property and belongings from one of Louisiana's most common natural disasters.
What It Covers
Building structure coverage up to $250,000
Personal property coverage up to $100,000
Coverage for flood damage from storms, hurricanes, and overflow
Basement and foundation coverage
Replacement cost for building coverage
Coverage for detached garages and other structures
Why You Need Flood Insurance
Louisiana experiences frequent flooding from hurricanes, heavy rains, and river overflow. Just one inch of water can cause thousands of dollars in damage. Flood insurance is often required if you have a mortgage in a high-risk zone, but even properties outside flood zones can flood. Without flood insurance, you'd be responsible for all repair and replacement costs.
Key Features
NFIP (National Flood Insurance Program) policies
Private flood insurance options available
Coverage available for both high and low-risk zones
30-day waiting period (except for new purchases)
Separate building and contents coverage
Expert guidance on flood zone determination and coverage needs
Why Choose Watley Insurance Group?
Local Expertise
We understand Louisiana's unique risks — from hurricanes to floods. Our local knowledge helps us find the right coverage for your needs.
Compare Multiple Carriers
We shop multiple insurance companies to find you the best combination of coverage and price. Save time and money with one call.
Personal Service
When you need help, you'll talk to a real person who knows your policy. No call centers, just local agents who care.
Let's Get You Insured Today
Fill out the form below or give us a call at 318-423-7445
Ready to Get Protected?
Join thousands of Louisiana families and businesses who trust Watley Insurance Group for their insurance needs.