New Orleans is Sinking.
And If Your Flood Insurance Is Written Incorrectly… You’re Paying for Nothing.
Half of New Orleans is Below Sea Level. That’s Not a Statistic. That’s a Warning.
Floods don’t send warnings. They don’t wait until it’s “convenient.”
And yet, every year, thousands of homeowners and business owners gamble with their financial future—either by forgoing flood insurance altogether or trusting that their current policy is correct.
Here’s the cold, hard truth:
✅ If you don’t have flood insurance in New Orleans, you’re one storm away from financial ruin.
✅ If you have flood insurance, there’s a good chance it was written incorrectly.
✅ And if you haven’t explored private flood insurance options, you might be paying too much.
Can You Get Flood Insurance in New Orleans? YES. But That’s Not the Right Question.
The real question is: Do you have the RIGHT flood insurance?
New Orleans has two options for flood insurance:
1️⃣ The National Flood Insurance Program (NFIP) – The government-backed option that most people default to. But here’s what you might not know…
🔹 Many policies are written incorrectly – meaning you could be overpaying or underinsured.
🔹 Your flood zone rating may be outdated – and your agent probably didn’t challenge it.
🔹 Rates are rising due to FEMA’s Risk Rating 2.0—and most agents don’t know how to navigate the system to save you money.
2️⃣ Private Flood Insurance – Many homeowners qualify for private flood insurance—at lower rates, with better coverage. But:
🔹 Most agents don’t even shop for it.
🔹 Some properties are locked into NFIP—but not all.
🔹 You won’t know unless you have an expert search all available markets.
Most Insurance Agents Treat Flood Insurance as an Afterthought.
We don’t.
We’re Flood Nerds. This is ALL we do.
When you work with us, we:
✅ Audit your existing NFIP policy for critical mistakes that could cost you thousands.
✅ Challenge flood zone ratings to ensure you’re paying the right amount.
✅ Compare private flood insurance options to find you better coverage (if you qualify).
✅ Ensure you’re fully covered—before you find out the hard way.
The average NFIP policy in Louisiana is $726 per year—but that’s just an average. We’ve seen homeowners overpay by $1,000+ simply because their agent didn’t do their job correctly.
Thinking About Forgoing Flood Insurance? Read This First.
📉 Since 2017, flood insurance policies in New Orleans have dropped by 3.8%.
Why? Because people assume they’re safe.
🚨 They think, “There hasn’t been a major flood since 2005.”
🚨 They believe FEMA’s flood maps mean they don’t need coverage.
🚨 They assume their agent got it right.
They’re wrong.
🔹 Flood maps are political—not practical. Some neighborhoods were “removed” from high-risk zones because of lobbying, not because they’re actually safe.
🔹 NFIP rates are increasing every year. If your agent isn’t proactively optimizing your coverage, you’re paying more than you need to.
🔹 One storm can wipe out everything. If you don’t have coverage, you will not recover financially.
How Much Does Flood Insurance in New Orleans Cost?
💰 The real question isn’t how much it costs. It’s how much you could be saving—or worse, how much it could cost you if your coverage is wrong.
🔹 Many homeowners are stuck in NFIP, but not all. You won’t know unless you check.
🔹 Private flood insurance can be a game-changer—if you qualify.
🔹 Your rating matters—most agents don’t fight to get it right.
We do.
Your Next Move: Get a Flood Insurance Audit—For FREE.
You have two choices right now:
1️⃣ Hope your agent wrote your policy correctly. Trust that they knew every loophole, every rating rule, and every way to save you money. (Most don’t.)
2️⃣ Let a Flood Nerd audit your policy for FREE. We’ll uncover any mistakes, ensure you’re not overpaying, and tell you if a better option exists—before the next storm hits.
This isn’t just about saving money. This is about protecting everything you’ve worked for.
