Flood Insurance
Flood covers rising water from the ground up
If You Can Read This, You Live in a Flood Zone
Flooding is one of the most common and costly natural disasters in the Gulf South. The reality is simple: if it can rain, it can flood.
Be secure, not sorry.
We help homeowners and property owners across Louisiana and the Gulf South protect against flood-related losses with reliable, affordable coverage options.
Protect Your Property Before the Next Storm
Flood events are unpredictable, but your coverage does not have to be.
Secure your property now so you are prepared when it matters most.
Why Flood Insurance Matters
Flood damage is not covered under a standard homeowners insurance policy. Without separate flood coverage, you are responsible for the full cost of repairs and replacement.
Paying an annual premium is significantly more manageable than covering the full cost of:
- Structural damage
- Flooring and walls
- Electrical and HVAC systems
- Personal property losses
Flood insurance provides financial protection and peace of mind when it matters most.
Flood Insurance Coverage Options
National Flood Insurance Program (NFIP)
Flood insurance is commonly provided through the National Flood Insurance Program.
Policies can be purchased through Elite Insurance and offer:
- Coverage for your home’s structure
- Coverage for personal belongings
- Protection from rising water, ground-up flooding
Private Flood Insurance Options
Elite Insurance also offers private flood insurance alternatives, which may provide:
- Lower premiums compared to FEMA-based policies
- Higher coverage limits
- Additional flexibility in coverage options
- Faster effective dates in some cases
- Typical wait period: Approximately 10 days
Important Flood Facts
Flood insurance covers rising water from the ground up
Standard homeowners policies do not cover flood damage
NFIP policies typically have a 30-day waiting period, unless required for a loan closing
Understanding Flood Zones
- Zone B, C, and X
Lower-risk areas - Zone A and V
Higher-risk flood zones
Even properties in lower-risk zones can flood, which is why coverage is strongly recommended regardless of designation.
A Common Misconception
Many homeowners believe:
“If my property floods, the entire region will be flooded too.”
Widespread flooding does not reduce individual financial loss. Each property owner is responsible for their own recovery, repairs, and rebuilding costs.
Flood insurance ensures you are not facing that burden alone.
