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Several areas of the country are at heightened risk for flooding due to heavy rains. This excessive amount of rainfall can happen throughout the year, putting your property at risk.  Storms over the Pacific Ocean bring heavy rains to the western United States between the months of November and April. Cresting rivers, backed-up storm drains or saturated ground can cause significant floods across the region during this time.

Levees are designed to protect against a certain level of flooding. However, levees can and and do decay over time, making maintenance a serious challenge. Levees can also be overtopped, or even fail during large floods. Because of the escalating flood risks in areas with levees, FEMA strongly recommends flood insurance for all homeowners in these areas. Homeowners should also develop a disaster plan.

As a homeowner, it's important to insure your home and its contents. Depending on your property location, your home is either considered at high-risk or at moderate-to-low risk for a flood. Your insurance premium will vary accordingly.

For more information about Louisiana flood insurance and flood insurance in Arkansas, Mississippi, Alabama, and Georgia. Contact Direct Flood Insurance Agency at 504-812-7811.

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