I’m in a low-risk flood zone, do I still need flood insurance?

I’m in a low-risk flood zone, do I still need flood insurance?

The short answer is, if you live in Louisiana, yes, you should have flood insurance, but it isn’t legally required if you’re in a low-risk zone!

Flooding is defined as rising water and can be due to drainage back-up, a levee breach, over flowing waterways, etc.  According to FEMA’s website, nearly 25% of flood claims are from areas that were in a low to moderate risk zones, and these claimants only received ⅓ of the Federal Disaster Assistance, which will need to be repaid.

If you are in a preferred, or low-risk zone, you may qualify for the lowest premium available. https://www.fema.gov/faq-details/Low-Risk-Flood-Zone/

In Louisiana that could be less than $35/month, a small price to pay for peace of mind.

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Are you ready to save time, aggravation, and money? The team at Garcia Insurance Services is here and ready to make the process as painless as possible. We look forward to meeting you!

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