Flood Insurance in Baton Rouge

Serving Customers Across Louisiana Since 1968

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.

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I love the fact that Gretchen found a lower insurance rate without being prompted to review my policy. She saved me close to $700 a year.
Johanna G.
5 Stars
Jeff and staff are a great group of professionals who care about the consumer. The process was seamless and I highly recommend them!
Joseph C.

Why Choose Us for Baton Rouge Flood Insurance

Deep 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.

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Top Questions About Flood Insurance in Louisiana Answered

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Updated on
Aug 05, 2025

How much is flood insurance in Baton Rouge?

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.

Does insurance cover hurricane damage in Baton Rouge, Louisiana?

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.

What are the minimum elevation requirements for homes in Baton Rouge?

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.

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Resources to Explore

What Flood Insurance Usually Covers

  • Electrical, plumbing systems, furnaces, water heaters, heat pumps and sump pumps.
  • Refrigerators, cooking stoves and built-in appliances such as dishwashers.
  • Permanently installed carpeting over an unfinished floor, paneling, wallboard, bookcases and cabinets. The damage must be directly caused by flood water. Cabinets that were not damaged by flood water are not covered, even if they match cabinets that were damaged by flood water.
  • Foundation walls, anchorage systems and staircases attached to the building. There is an exclusion for “loss caused directly by earth movement even if the earth movement is caused by flood.”
  • A detached garage, used for limited storage or parking. Up to 10 percent of the building coverage limit can be used, but will reduce the total amount of building coverage available.
  • Fuel tanks and the fuel in them, solar energy equipment and well water tanks.
  • Personal belongings such as clothing, furniture and electronic equipment.
  • Portable and window air conditioners (easily moved or relocated), clothes washers and dryers.
  • Certain valuable items such as original artwork and furs (up to $2,500.)
  • Food freezers and the food in them.

Did You Know?

90% of all natural disasters in the United States involve some type of flooding.
FEMA

What Flood Insurance Usually Doesn't Cover

  • Damage caused by moisture, mildew or mold that could have been avoided by the property owner or which are not attributable to the flood.
  • Damage caused by earth movement, even if the earth movement is caused by flood.
  • Additional living expenses, such as temporary housing, while the building is being repaired or is unable to be occupied.
  • Loss of use or access of the insured property.
  • Property and belongings outside of an insured building such as trees, plants, wells, septic systems, walks, decks, patios, fences, seawalls, hot tubs and swimming pools.
  • Currency, precious metals, and valuable papers such as stock certificates.