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Flooding in New Orleans WHAT YOU NEED TO KNOW
New Orleans is a city defined by water—surrounded by the Mississippi River, Lake Pontchartrain, and the Gulf of Mexico. Its low-lying geography, with many neighborhoods below sea level, combined with aging infrastructure and the increasing frequency of extreme weather events, makes flooding a persistent concern. The catastrophic flooding during Hurricane Katrina in 2005, which submerged approximately 80% of the city, highlighted the vulnerabilities in the city's flood protection systems. Studies show that 148,000 (98%) of the properties in New Orleans are at risk of flooding, which makes it a great idea to buy flood insurance in New Orleans to keep your property safe.
Flood Zones in New Orleans
New Orleans encompasses a variety of flood zones as designated by FEMA. High-risk areas, such as Zones AE and VE, are more susceptible to flooding and may require flood insurance, especially for properties with federally backed mortgages. Even areas classified as Zone X, considered moderate-to-low risk, have reported flood incidents. In fact, FEMA data indicates that 40% of flood insurance claims come from properties outside high-risk zones, which means that you should get flood insurance in New Orleans even if your property is located in a low-to-moderate risk area.
Some flood-prone areas in New Orleans include:
- Lower Ninth Ward (ZIP code: 70117) – experienced significant flooding during Hurricane Katrina.
- Lakeview (ZIP code: 70124) – prone to flooding due to its proximity to Lake Pontchartrain.
- Gentilly (ZIP code: 70122) – susceptible to flooding from heavy rainfall and drainage issues.
- Mid-City (ZIP code: 70119) – vulnerable to flooding due to low elevation and aging infrastructure.
- New Orleans East (ZIP code: 70128) – faces flooding risks from both coastal storms and heavy rainfall.
Not sure what flood zone you're in? Our team of expert advisors at Advantage Flood can help you look it up and
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When is flood season in New Orleans
New Orleans' flood season typically runs from June through November, aligning with the Atlantic hurricane season. During this period, the city is at increased risk of flooding due to tropical storms, hurricanes, and heavy rainfall events. However, flooding can occur year-round, especially during periods of intense rain or high tides.
Common causes of flooding in New Orleans
Flooding here isn’t just about coastal storm surges. In fact, some of the most damaging floods happen inland and are caused by:
Heavy rainfall – intense storms can overwhelm stormwater systems.
Urban runoff accumulates quickly on impervious surfaces.
Overflowing canals and levee breaches flood surrounding areas.
Blocked drainage causes localized flooding from debris buildup.
Storm surges push seawater into low-lying areas, causing major floods.
Even if you’ve never experienced a flood, these events can happen without warning, making getting flood insurance in New Orleans a smart and proactive move.
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Flood Insurance Specialists
Our dedicated experts specialize in flood insurance, ensuring you receive the best advice and coverage tailored to your needs
Trusted Insurance Providers
We work with top-rated, reputable insurers to guarantee reliable and comprehensive flood protection
Quick Claim Settlement
We prioritize fast and hassle-free claim processing, ensuring you get the support and payout you need—when you need it most
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