Flood Insurance in Metairie, LA
Reliable protection when waters rise.
Protect Your Metairie Property from Flooding
Prepare for the unexpected before it strikes.
In Metairie, LA, flooding isn’t just a possibility—it’s a reality that homeowners and businesses must be ready for. From sudden heavy rains to tropical storm surges, the risks are real and costly. At Direct Source Insurance, we specialize in helping Metairie residents find the right flood insurance policies to close the coverage gaps that standard homeowners insurance leaves behind. We simplify the process so you can stay protected with confidence all year long.
What Your Flood Policy Includes
Complete protection from rising waters.
Building Coverage
Pays to repair or rebuild your Metairie home or business after floodwater-related structural damage.
Personal Belongings Protection
Covers furniture, electronics, and other valuables that are damaged by a flood event.
Basement Systems Coverage
Includes essential items like water heaters, electrical systems, and HVAC units located below ground.
Debris Removal and Cleanup Costs
Helps cover the cost of cleaning your property after floodwaters recede.
Optional Increased Limits
Available if your home or business in Metairie needs coverage that exceeds basic NFIP limits.
Why Flood Insurance Matters in Metairie
Don’t wait until it’s too late.
Metairie Is at High Risk for Flooding
Located near major waterways and low-lying areas, Metairie homes face serious flood risks every year.
Homeowners Insurance Doesn’t Cover Floods
Flood damage must be covered through a separate flood insurance policy, not your standard homeowners plan.
Flood Policies Protect Your Investment
A single storm can cause tens of thousands of dollars in damage—flood insurance shields your financial future.
Metairie Flood Insurance FAQs
Local answers to smart protection.
How much does flood insurance cost in Metairie, LA?
Flood insurance premiums in Metairie, LA usually range from $500 to $1,500 per year depending on your property’s flood zone, elevation, and construction type. Properties located closer to Lake Pontchartrain or low-lying drainage areas may face slightly higher premiums. We provide Metairie homeowners and businesses with personalized quotes that maximize coverage while minimizing cost. Our team makes it easy to find the right flood plan for your needs.
How long is the waiting period for flood insurance in Metairie?
Most new flood insurance policies in Metairie have a standard 30-day waiting period before they take effect. This means it’s crucial to buy flood coverage early—long before a hurricane warning is issued. There are some exceptions if coverage is required immediately by a lender. We’ll help you time your flood insurance purchase properly to avoid gaps in protection.
Does flood insurance cover water damage from tropical storms in Metairie?
Yes. Flood insurance covers damage caused by rising water from heavy rainfall or storm surges tied to tropical storms and hurricanes in Metairie. However, if water damage originates from inside the home, like a burst pipe, that falls under your homeowners policy. Our team ensures you have the right mix of flood and home insurance for full protection.
Should I get flood insurance if I live outside a high-risk flood zone in Metairie?
Yes, we strongly recommend it. Over 20% of flood claims come from properties outside of high-risk zones in places like Metairie, LA. Even if your mortgage lender doesn’t require flood insurance, the relatively low cost of a preferred-risk policy can save you thousands after an unexpected storm. Peace of mind is well worth it.
Can I bundle flood insurance with homeowners insurance in Metairie?
While flood insurance is technically separate, we make it easy to coordinate flood and homeowners policies for Metairie residents. Working with Direct Source Insurance means you’ll have seamless protection and a team that manages both coverages together. Keeping all your policies in sync ensures stronger, faster service when you need it most.
