Living in Kenner, LA means enjoying the charm and community spirit of this vibrant city—along with the reality that flooding can be a serious risk. Whether it’s from hurricanes, tropical storms, or...

Living in Kenner, LA means enjoying the charm and community spirit of this vibrant city—along with the reality that flooding can be a serious risk. Whether it’s from hurricanes, tropical storms, or heavy rainfall, flood damage is something every homeowner in the area should prepare for. That’s where flood insurance in Kenner, LA comes in.

If you’re unsure about your coverage options or how to get started, don’t worry—we’ve got you covered. Here’s what you need to know.

What Does Flood Insurance Cover?

Flood insurance is typically not included in your standard homeowners insurance policy. Instead, it’s a separate policy that covers losses directly caused by flooding.

There are two main types of flood insurance coverage:

1. Building Property Coverage

   • Covers your home’s structure, including foundation, walls, plumbing, electrical systems, and built-in appliances.
   • Up to $250,000 in coverage through the National Flood Insurance Program (NFIP).

2. Personal Property Coverage

   • Covers your belongings like furniture, electronics, and clothing.
   • Up to $100,000 in coverage through the NFIP.
   • You can also explore excess flood insurance policies for additional protection beyond these limits.

Pricing Considerations

The cost of flood insurance in Kenner, LA depends on a few key factors:

• Location & Flood Zone: If you live in a high-risk flood zone (Special Flood Hazard Area), you’ll likely pay more than someone in a moderate-to-low risk zone.
• Elevation: Homes built at or above base flood elevation tend to receive lower rates.
• Coverage Limits: Higher coverage amounts mean higher premiums.
• Deductibles: Opting for a higher deductible can lower your monthly premium—but it also means more out-of-pocket costs if you file a claim.

Pro tip: You can get flood insurance through the NFIP or private insurers. Private insurance may offer more flexible coverage options, especially for higher-value homes or homes not eligible for NFIP.

How to Get Started

Getting flood insurance in Kenner, LA is easier than you might think. Here’s how to begin:

1. Assess Your Risk – Use FEMA’s flood maps or talk to an insurance agent to determine your home’s flood zone.
2. Review Your Current Coverage – Double-check that your homeowners policy doesn’t already include flood coverage (most don’t).
3. Compare Options – You may qualify for both NFIP and private flood insurance. An experienced agent can help you compare coverage and pricing.
4. Purchase Early – NFIP policies typically have a 30-day waiting period before coverage begins, so don’t wait until a storm is on the radar.

Need Help? Contact Direct Source Insurance

At Direct Source Insurance, we specialize in helping homeowners like you find the right flood insurance in Kenner, LA. Our team will walk you through your options, explain coverage details in plain language, and ensure you have the protection you need before the next storm hits.