Home insurance and flood insurance are not the same.
Flooding can happen away from the coast and outside mapped high-risk zones. We help you compare available NFIP and private-market options before a storm is on the map.
A standard home policy generally excludes flood.
Flood insurance is a separate policy. Building and contents coverage are also separate choices, so confirm that the quote protects what you expect—not simply the address.
Building
May cover eligible parts of the insured structure and certain systems, subject to policy terms and limits.
Contents
Personal belongings require their own coverage selection. Do not assume contents follow the building limit.
Timing
NFIP policies generally carry a 30-day waiting period, with exceptions. Private policies set their own terms.
Compare the actual policy.
- What counts as a covered flood?
- Are building and contents both included?
- What are the limits and deductibles?
- How are contents losses settled?
- What waiting period and exclusions apply?
Lower mapped risk is not zero risk.
The Louisiana Department of Insurance says residents in low- or moderate-risk areas should consider flood insurance. A lender’s requirement is not the same thing as your household’s exposure.
Flood insurance FAQ
Does homeowners insurance cover flooding?
Standard homeowners insurance generally does not. Flood insurance is normally purchased separately.
What can an NFIP policy cover?
NFIP policies offer separate building and contents coverage. Federal limits are currently up to $250,000 for a residential building and $100,000 for contents; eligibility and policy terms apply.
Can private flood coverage differ?
Yes. Limits, deductibles, waiting periods, settlement terms and exclusions may differ, which is why side-by-side review matters.
Understand your flood options before you need them.
Ask a local licensed team to compare available protection.
Request a Flood Quote