Get Flood Insurance
Flood insurance is a wise investment for Jefferson Parish communities and properties. Geographically, our communities along the coast or inland lie at or below sea level, which makes properties within the parish prone to hurricanes, heavy rains, and flooding.
To protect investments, flood insurance is available to homeowners, renters, and commercial owners/renters. All policy types provide coverage for buildings and contents. Costs vary depending on how much insurance is purchased, what’s covered, and the property's flood risk. Neither homeowners nor rental insurance covers property or content damage resulting from a flood event.
Flood Insurance Requirements and Benefits
Properties in Flood Zone AE and VE (high-risk areas) are required to carry flood insurance if they have a federally backed mortgage. For properties in Flood Zones X, B, and C (low to moderate risk areas), flood insurance is highly recommended as floods do not respect their boundaries. Facts show those insured in Zones X, B, and C file more than 20 percent of all flood insurance claims through the National Flood Insurance Program (NFIP) and receive one-third of federal disaster assistance for flooding.
The maximum policy amount available from the federal government for a single-family residence is $250,000 on the building and $100,000 for contents.
When Should Flood Insurance be Purchased?
You must have an active flood insurance policy at the time of the flooding event to be eligible for any disaster relief or FEMA grant programs. Typically, there is a 30-day waiting period before a flood insurance policy becomes effective. Contact your insurance agent to start a policy today.
Keep Flood Insurance Records Safe
Keep your flood policy and an itemized list of furnishings, clothing, and valuables in a safe place, such as a waterproof and fireproof safe. It is helpful to have photos and receipts of your items as well. Call your agent or broker immediately if you suffer flood damage.
Elevation Certificate Information
- Zone AE - Elevation Certificate - Who needs them and why
- Zone AE - Elevation Certificate Information
Zone X – Preferred Risk Policy Information
Click below to watch an important message about flood insurance from Jefferson Parish President Cynthia Lee Sheng.