Flood Insurance for Houma, Louisiana Properties

Clement Insurance Agency | Serving Houma, New Orleans & South Louisiana

Optional Add-Ons

Ask us about rental reimbursement, roadside assistance, and gap coverage — extras that make real-life driving easier.

What Your Policy Should Cover

Man driving car, smiling, with family in the back seat.

Building Property Coverage

Covers the structure of your house, foundation, electrical, plumbing, and built-in appliances from flood damage.

Personal Property Coverage

Pays to replace belongings—furniture, clothing, electronics—lost to flooding.

National Flood Insurance Program (NFIP)

Federal flood policies with set limits and rules, often required by lenders in Houma and New Orleans.

Private Flood Insurance

 Alternative policies with flexible options—sometimes higher limits or faster payouts. These are worth comparing for many Louisiana homes

Waiting Periods

Most policies have a 30-day waiting period before coverage starts, unless required for a new mortgage.

Who Needs Flood Insurance?

If you own or rent a home in Houma, New Orleans, or anywhere near the coast, flood insurance is a must. Standard home and renters policies won’t cover flood damage—yet much of South Louisiana sits in high-risk zones. Lenders often require flood coverage, but even if yours doesn’t, a single storm or hurricane can leave you exposed. Clement Insurance Agency helps you understand exactly what you need based on your address, flood maps, and lender rules, so you get the right protection—not just the minimum.

A family walking out of their brick house into the sunlight.

How the Process Works

Step 1

We review your property address, check FEMA flood maps, and discuss your 

Step 2

We explain NFIP vs. private flood options, rates, and waiting periods.

Step 3

Get side-by-side quotes—clear, with all terms explained.

Step 4

Help with paperwork, lender requirements, and ongoing support if you ever need to claim.

Frequently Asked Questions

  • How much does flood insurance cost in Houma or New Orleans?

    Costs vary by zone, coverage amount, and building type. Homes in high-risk areas may see higher rates—our agency helps you compare all available options.

  • What’s the difference between NFIP and private flood insurance?

    NFIP is federal, with standard pricing and coverage limits; private flood offers more flexibility and can be more affordable for some homes. We’ll walk you through both.

  • Is there a waiting period?

    Most flood policies take effect 30 days after purchase. Ask us about exceptions if you’re buying a new home.

  • Why is flood insurance so important in South Louisiana?

    Flooding is the most common disaster here—and most weather events aren’t covered by standard policies. Protecting your home is a must, even outside mandatory zones.

Black telephone receiver with sound waves.

Ready to Get Started?

Don’t leave your home at risk. Clement Insurance Agency helps Houma, New Orleans, and South Louisiana families get the right flood insurance—with clarity and local support. Request your flood insurance quote today.