Flood Preparation and Response

LOUISIANA REALTORS • June 7, 2019

With the heavy rainfall and flooding being a struggle in Louisiana, knowing how to prepare and respond is essential. As we’ve seen, just because a particular area hasn’t historically been high-risk for flooding, it does not mean it isn’t possible. We may not have the power to control weather related conditions, but we can certainly take steps to ensure our safety, the safety of others, and minimize damage to our homes.

These are few tips for Flood PreparATION and Response

Preparing for Flooding in Advance

·        Prepare an emergency kit of supplies

·        Create a household evacuation plan

·        Be familiar with any city or parish response plans

·        Elevate and/or reinforce your home to make damage less likely

During a Flood Watch (this means that flooding in the area is possible)

·        Stay tuned-in to your local television or radio stations

·        Bring in or tie down outdoor equipment if possible (i.e. outdoor furniture)

·        Gather emergency food and water

During a Flood Warning (this means that flooding has already occurred)

·        Evacuate if you are told to do so

·        Seek higher ground, but stay off bridges

·        Do not drive, swim, or walk through flooding waters (six inches of water can knock you down and one – two feet of water can carry a car away) Remember these four words that have been said numerous times, but could save your life: TURN AROUND, DON’T DROWN .

*These tips were compiled from weather.gov, fema.gov, ready.gov, cdc.gov, and redcross.org. Visit their websites for more information for how to prepare, respond, and recover from floods.

By Louisiana REALTORS® September 21, 2026
From the Louisiana Department of Insurance: Insurance Commissioner Tim Temple joined Governor Jeff Landry and Senate Insurance Committee Chairman Kirk Talbot today to announce that Louisiana is investing an additional $20 million in Fortified homes, bringing the total amount invested in state Fortified projects this year to $100 million. Governor Landry announced that $20 million from the U.S. Department of Housing and Urban Development will be transferred to the Louisiana Office of Community Development Restore Resilient Opportunities for Overhead Fortification (Restore ROOF) program to strengthen residential structures and reduce long-term disaster risk. Earlier this year, the Legislature passed a bill that allows $50 million in additional Katrina and Rita bond money from Louisiana Citizens Property Insurance Corporation to be added to the Department of Insurance’s Louisiana Fortify Homes Program (LFHP). Also beginning this year, LFHP is projected to receive approximately $30 million annually from taxes and fees the Louisiana Department of Insurance collects from the insurance industry. “Building stronger homes is a vital part of making homeowners insurance affordable in Louisiana,” said Commissioner Temple. “I appreciate Governor Landry’s leadership and support as we work with legislators like Chairman Talbot to make Louisiana a national leader in the adoption of Fortified roofs.” The Louisiana Department of Insurance (LDI) has finalized its promulgation of Regulation 136—Fortify Homes Premium Discounts. The purpose of Regulation 136 is to implement the statutory provisions set forth in La. R.S. 22:1483, et seq. , which require that all Louisiana property and casualty insurers provide premium discounts or insurance rate reductions for homes constructed or upgraded in accordance with the fortified standards created by the Insurance Institute for Business and Home Safety. View Regulation 136 here .
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