Flooding is the most common and costly natural disaster in Louisiana. However, there is no coverage for flooding in standard homeowners or renters policies. Instead, coverage is acquired through a separate policy from the National Flood Insurance Program (NFIP). The protection and safety of your family and property is paramount, so considering flood insurance is usually worth it.
Get a QuoteDeep Local Knowledge: We understand the unique flood risks facing Baton Rouge and surrounding areas—so we help you choose coverage that truly protects your home and peace of mind.
Tailored Policies: We partner with insurance carriers to customize your flood coverage based on your home’s location, elevation, and risk level—so you only pay for what you need.
Helping You Avoid Costly Gaps: We walk you through elevation requirements, coverage limits, and exclusions so you’re not caught off guard when it matters most.
The average cost of flood insurance in Baton Rouge is typically between $800 and $1,200 per year, but this can vary depending on your home’s location, elevation, and flood zone. Homes in high-risk areas or without an elevation certificate may end up paying more.
Standard homeowners insurance usually covers wind damage from hurricanes but does not cover flooding, which is why separate flood insurance is essential. In coastal or flood-prone areas like Baton Rouge, both types of coverage may be needed to be fully protected.
Baton Rouge follows FEMA and local Base Flood Elevation (BFE) guidelines, which require that new construction or substantial improvements be built at or above the BFE. Homes below this elevation may face higher premiums or limited coverage options.