As the old adage goes “April showers bring May flowers,” which is why it’s imperative to ensure you are protected should these showers turn into floods. The National Weather Service is predicting possible mild flooding for Louisiana this spring which will be driven by the individual storms we experience, yet only one out of four single family homes in the state have flood insurance.
It’s also never too early to get protected for the impending hurricane season that is guaranteed to affect our state in one way or another. If you live in or near a flood zone, it is crucial that you contact an insurance provider to purchase a flood insurance policy that will protect your home or commercial property. Keep in mind that most flood policies require a 30-day waiting period before they become effective.
Many Louisiana residents believe that flooding only affects properties in coastal and low lying areas, but this is simply not true. The severe winter storms of January 2013 caused widespread damage and flooding in parishes as far north as East Carroll and Madison, prompting the federal government to declare disasters in 11 parishes. Additionally, in 2008 Hurricane Gustav caused flooding as far north as the Monroe area. Property owners outside of high-risk flood areas are responsible for 25 percent of National Flood Insurance Program (NFIP) claims in Louisiana proving that winter storms, spring storms, and hurricanes can prove to be hazardous no matter where you live.
According to the NFIP, just a single inch of floodwater can cause more than $10,000 in damage to a home, and homes in a high-risk area are more than twice as likely to be damaged by a flood than by a fire.
Flooding is a threat to Louisiana residents almost year round. Floods and flashfloods occur in all 50 states, and they cannot always be predicted or prepared for which is why purchasing a flood insurance policy as soon as possible is critical to ensuring your property is protected in the event of a disaster.