Louisiana's #1 Flood Risk
Flood Insurance
Flooding is Louisiana's most common and devastating natural disaster. With a mandatory 30-day waiting period, you can't wait until storm season to get covered. The Root Agency offers both NFIP and private flood insurance options to protect your property.
Why Flood Insurance is Essential in Louisiana
Flooding is one of the most common natural disasters in Louisiana, affecting millions of homes each year. Over 25% of flood claims come from properties outside high-risk flood zones. The average flood claim exceeds $30,000, and standard homeowners insurance does NOT cover flood damage. With Louisiana's hurricane season running June through November and flood-related searches spiking 300–500% during that period, getting flood insurance before storm season is critical.
Coverage Options
Learn More About Your Coverage
Building Property Coverage
Covers the physical structure of your home — foundation, electrical, plumbing, HVAC, built-in appliances, and permanently installed fixtures.
Personal Property Coverage
Protects your belongings — furniture, electronics, clothing, and personal items — from flood damage.
Basement Coverage
Limited coverage for items in basements including essential equipment like furnaces, water heaters, and washers/dryers.
Increased Cost of Compliance
Helps cover costs to bring your home up to current floodplain management standards after a covered flood loss.
NFIP Coverage
National Flood Insurance Program policies backed by the federal government. Available to all property owners in participating communities.
Private Flood Insurance
Private market alternatives that may offer higher coverage limits, lower premiums, and additional coverages not available through NFIP.
Why The Root Agency
Why Choose Us for Flood Insurance?
The Root Agency has helped Baton Rouge families navigate flood insurance through the 2016 floods, Hurricane Ida, and every storm season since. Steve Root and his team understand Louisiana's unique flood zones, elevation certificates, and the critical differences between NFIP and private flood insurance. We'll find you the right coverage at the best price — before the 30-day waiting period becomes an issue.
- Don't Wait for Storm Season: Flood insurance has a mandatory 30-day waiting period. Get covered before June to be protected all hurricane season.
- Get an Elevation Certificate: An elevation certificate can significantly lower your flood insurance premium by documenting your property's elevation.
- Compare NFIP vs. Private: Private flood insurance can sometimes offer better coverage at lower rates. We'll compare both options for you.
- Even Outside Flood Zones: 25% of flood claims come from low-to-moderate risk areas. Consider coverage even if you're not in a high-risk zone.
Get Your Free Quote Today
Get a personalized flood insurance quote from Baton Rouge's top-rated Allstate agency.
Request a Quote (225) 926-0160Flood Insurance FAQ
Common Flood Insurance Questions
Related Resources
Learn More About Insurance
Ready to Protect What Matters Most?
Get a personalized flood insurance quote from Baton Rouge's top-rated Allstate agency.