Flood Insurance
Protect your home from flood damage with reliable flood insurance.
Since 1946, we’ve helped families across Acadiana and nationwide find the right coverage with a personal touch.
Insurance Tailored To You
Standard homeowners insurance doesn’t cover flood damage — make sure your property is protected. Get in touch with our team who has decades of experience serving Louisiana and the nation.
What Is Flood Insurance?
What Does Flood Insurance Cover?
If you’re asking, “what is covered in flood insurance?” here’s what most policies include:
- Building Coverage – Foundation, walls, flooring, plumbing, HVAC systems, water heaters, and electrical systems.
- Contents Coverage – Furniture, clothing, electronics, and other belongings inside the home.
- Optional Coverage – Some private flood insurance carriers also include temporary living expenses if your home is uninhabitable.
What Does Flood Insurance Not Cover?
Typical exclusions include:
- Landscaping, fences, patios, and swimming pools.
- Currency, precious metals, and important papers.
- Living expenses (unless added by a private carrier).
- Mold, mildew, or damage not directly caused by a flooding event.
Who Needs Flood Insurance?
- Flood Zones – If you’re in a FEMA high-risk area, flood insurance is required in what zones? Policies are typically mandatory for homes in Zone AE and other high-risk flood zones.
- Mortgage Holders – If you finance your home in one of these zones, flood insurance is required when your loan is approved.
- Homeowners in Moderate Risk Areas – Even outside of flood insurance in a flood zone, claims still happen. Flood insurance in high-risk areas just makes the need more urgent.
- Renters – Renters flood insurance or renters insurance for flood damage ensures your belongings are protected, even if the building is covered.
- Condo Owners – Condo flood insurance and condominium flood insurance protect your unit and personal belongings beyond the master HOA policy.
- Manufactured & Mobile Homes – We provide flood insurance for manufactured homes and flood insurance for mobile homes, which are particularly vulnerable to flood damage.
Benefits of Having Flood Insurance
- Protect your home and contents from expensive flood damage.
- Meet lender requirements for Louisiana flood insurance in FEMA zones.
- Peace of mind during storm and hurricane season.
- Access both NFIP and private flood insurance markets for flexible options.
Risks of Not Having Coverage
- FEMA disaster relief is limited and often only available as loans.
- Out-of-pocket repair and replacement costs for your home and belongings.
- Loss of financial security if you live in flood insurance for zone AE or another high-risk designation.
- Denial of mortgage approval if you don’t carry coverage where which flood zones require insurance.
How We Help You Find the Right Policy
At Dorsey Insurance Agency, we make navigating Louisiana flood insurance (and regions across the nation) simple:
- Assess Your Property – We look at your flood zone, whether you’re in flood insurance in AE zone, and your risk level.
- Compare Flood Insurance Carriers – We provide options from NFIP and private markets.
- Tailor Your Coverage – From flood insurance for a condo to coverage for manufactured or mobile homes, we build the right plan for your property.
Don’t wait for the next storm to find out you’re unprotected. Get reliable flood insurance in Louisiana today and secure your home, belongings, and peace of mind.
Want To Know More? Contact Us Or Request A Quote.
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Renters insurance does not cover flood damage. Standard policies exclude flooding caused by natural disasters like hurricanes or heavy rain. To get coverage for flood-related losses, renters must purchase a separate flood insurance policy through the National Flood Insurance Program (NFIP) or private insurers.
Flood insurance is required for properties in high-risk flood zones with federally backed mortgages. Outside these zones, it is optional but recommended. Lenders may still require it based on local risk assessments, even if the property is not in a designated flood zone.
Flood insurance covers water damage caused by hurricanes, but only if the damage results from flooding, such as storm surges or rising water. It does not cover wind-driven rain or structural damage caused by wind; those are covered under separate homeowners or windstorm policies.
Flood insurance is required in FEMA-designated Special Flood Hazard Areas (SFHAs), labeled as Zone A or Zone V. These zones have a 1% or higher annual chance of flooding. Lenders mandate coverage for properties in these zones if the mortgage is federally backed.
Flood insurance covers rain damage only if rising water from outside causes flooding that damages the property. It does not cover damage from rain that enters through a leaky roof or windows unless flooding occurs first. Homeowners insurance typically covers interior rain damage not caused by floods.
Flood insurance is not required in Flood Zone X, which is classified as a moderate- to low-risk area. However, property owners can still purchase coverage voluntarily. While not mandatory, over 20% of flood claims come from these lower-risk zones.
Hurricane insurance does not cover flooding. It typically covers wind-related damage from hurricanes, such as roof damage or broken windows. Flood damage caused by storm surge or rising water requires separate flood insurance, usually purchased through the National Flood Insurance Program (NFIP).
You should get flood insurance even if you’re not in a high-risk flood zone. Over 20% of flood claims come from low- or moderate-risk areas. While not required, coverage protects against unexpected weather events and can prevent major financial loss.
Flood insurance does not cover damage from burst pipes. This type of damage is classified as internal water damage and is typically covered by homeowners or renters insurance. Flood insurance only applies to damage caused by external flooding, such as rising water from heavy rain or storm surge.
Flood insurance covers storm surge damage. Storm surge is classified as a type of flooding caused by hurricanes or tropical storms, making it eligible under the National Flood Insurance Program (NFIP). Coverage includes damage to the building and contents up to policy limits.