--- title: "Louisiana Hurricane Preparedness Guide — Prep, Claims & Contacts | Corbivo" description: "How Louisiana homeowners prepare for hurricanes, flooding, and severe storms — plus how to file an insurance claim in Louisiana, the LDI helpline, and official parish resources." lang: en json-ld: | [ { "@context": "https://schema.org", "@graph": [ { "@type": "Organization", "@id": "https://corbivo.com/#organization", "name": "Corbivo", "url": "https://corbivo.com/", "logo": { "@type": "ImageObject", "url": "https://corbivo.com/corbivo-logo-square.png", "width": 1024, "height": 1024, "contentUrl": "https://corbivo.com/corbivo-logo-square.png" }, "image": { "@type": "ImageObject", "url": "https://corbivo.com/corbivo-logo-square.png", "width": 1024, "height": 1024 }, "description": "Corbivo is a home title-protection and home-inventory app that documents your home, monitors your deed 24/7, and keeps records ready for insurance, FEMA, and resale." }, { "@type": "WebSite", "@id": "https://corbivo.com/#website", "url": "https://corbivo.com/", "name": "Corbivo", "publisher": { "@id": "https://corbivo.com/#organization" } }, { "@type": "SoftwareApplication", "@id": "https://corbivo.com/#app", "name": "Corbivo", "applicationCategory": "LifestyleApplication", "operatingSystem": "Web", "url": "https://corbivo.com/", "description": "Home title protection and home-inventory app. AI-scans appliances, receipts, warranties and manuals; monitors your deed 24/7; and keeps disaster-ready, tax-ready records.", "offers": { "@type": "Offer", "price": "0", "priceCurrency": "USD", "description": "14-day free trial, card required, cancel anytime" } } ] }, { "@context": "https://schema.org", "@type": "Article", "headline": "Louisiana Storm & Hurricane Preparedness: Home Prep, Insurance Claims & Emergency Contacts", "description": "How Louisiana homeowners prepare for hurricanes, flooding, and severe storms — plus how to file an insurance claim in Louisiana, the LDI helpline, and official parish resources.", "datePublished": "2026-11-01", "dateModified": "2026-11-01", "author": { "@type": "Organization", "name": "Corbivo Team", "url": "https://corbivo.com" }, "publisher": { "@type": "Organization", "name": "Corbivo", "logo": { "@type": "ImageObject", "url": "https://corbivo.com/favicon.jpg" } }, "mainEntityOfPage": "https://corbivo.com/storm-prep/louisiana/", "about": { "@type": "Place", "name": "Louisiana, United States" } }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "When is hurricane season in Louisiana?", "acceptedAnswer": { "@type": "Answer", "text": "Atlantic hurricane season runs June 1 through November 30. Peak activity for Louisiana is from mid-August through October, when warm Gulf of Mexico water fuels the strongest storms. The entire Louisiana coast — from Cameron Parish to Plaquemines — is exposed, and inland parishes routinely see damaging wind and catastrophic rainfall from systems moving north. Have your prep done before June 1." } }, { "@type": "Question", "name": "Does homeowners insurance cover hurricane damage in Louisiana?", "acceptedAnswer": { "@type": "Answer", "text": "Wind damage from a hurricane is generally covered by a standard Louisiana homeowners policy, but nearly every Louisiana policy carries a separate percentage-based named-storm or hurricane deductible — commonly 2% to 5% of your dwelling coverage — that's much higher than a normal loss deductible. Read your declarations page now to know what you'd owe out of pocket before your carrier starts paying." } }, { "@type": "Question", "name": "Does Louisiana homeowners insurance cover flooding or storm surge?", "acceptedAnswer": { "@type": "Answer", "text": "No. Standard Louisiana homeowners policies exclude flood damage — including storm surge, riverine flooding, and heavy rainfall. Flood coverage requires a separate policy through the National Flood Insurance Program (NFIP, 1-800-427-4661, FloodSmart.gov) or a private flood insurer. Most NFIP policies have a 30-day waiting period, so buying it as a storm approaches will not help." } }, { "@type": "Question", "name": "Who do I call after storm damage in Louisiana?", "acceptedAnswer": { "@type": "Answer", "text": "For any life-threatening emergency call 911 first. Contact your insurer's 24/7 claims line to open a claim. If your claim is delayed, denied, or underpaid, call the Louisiana Department of Insurance at 1-800-259-5300. Louisiana Citizens Property Insurance policyholders file directly with Citizens at 1-800-931-9548. Your parish Office of Emergency Preparedness handles local shelter and damage-reporting information." } }, { "@type": "Question", "name": "How do I file an insurance claim in Louisiana?", "acceptedAnswer": { "@type": "Answer", "text": "Photograph and video all damage before you clean up or move anything. Call your insurer's 24/7 claims line and get a claim number and adjuster name in writing. Make reasonable temporary repairs to prevent further damage and keep every receipt. Don't make permanent repairs until the adjuster inspects. If the claim isn't resolved fairly, call the Louisiana Department of Insurance at 1-800-259-5300." } }, { "@type": "Question", "name": "Do I need flood insurance in Louisiana?", "acceptedAnswer": { "@type": "Answer", "text": "Effectively yes — statewide. Louisiana's low elevation, extensive coastline, and river systems mean flood risk extends far beyond mapped FEMA high-risk zones. The 2016 Baton Rouge floods damaged tens of thousands of homes, most of them outside the mapped 100-year floodplain. If your parish has ever been under a federal disaster declaration for flooding, price NFIP or a private flood policy — the 30-day waiting period makes it worthless once a storm is named." } } ] }, { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://corbivo.com/" }, { "@type": "ListItem", "position": 2, "name": "Storm Prep", "item": "https://corbivo.com/storm-prep/" }, { "@type": "ListItem", "position": 3, "name": "Louisiana", "item": "https://corbivo.com/storm-prep/louisiana/" } ] }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "How should Louisiana homeowners prepare their home records for hurricane season?", "acceptedAnswer": { "@type": "Answer", "text": "Louisiana homeowners should document their home and possessions ahead of hurricane season, which runs June 1 through November 30, and keep that record where a storm cannot destroy it. The state's low-lying delta geography leaves much of it exposed to storm surge, wind, and prolonged flooding, and its dense bayou and coastal parishes are among the most hurricane-vulnerable in the nation. Hurricane Ida struck southeast Louisiana as a Category 4 on August 29, 2021, tearing off roofs, collapsing power infrastructure, and driving damaging surge across coastal communities. The Governor's Office of Homeland Security and Emergency Preparedness (GOHSEP) runs the state's Get A Game Plan campaign, with checklists, evacuation maps, and the Louisiana Emergency Preparedness Guide at getagameplan.org. Preparing your paperwork early is part of that game plan. Corbivo keeps a FEMA-ready home inventory and your full home file backed up off-site, so if you file an insurance or federal-assistance claim after a hurricane, your documentation is already complete and accessible from anywhere." } }, { "@type": "Question", "name": "When is hurricane season in Louisiana?", "acceptedAnswer": { "@type": "Answer", "text": "Louisiana's hurricane season runs June 1 through November 30, with the highest risk of Gulf landfalls from August through October. The state's flat, low-elevation coast and river delta make it especially prone to storm surge and to slow-draining flood water that lingers long after a storm passes. Southeast parishes around New Orleans and the bayou region carry heavy surge and wind exposure, as Hurricane Ida showed at landfall in 2021. Even inland areas face heavy rainfall flooding, so preparation should extend statewide each season." } } ] } ] --- [Skip to main content](#main-content) [![Corbivo™](/assets/corbivo-logo-ClvvuQzE.png)](/) [Pricing](/pricing)[How It Works](/how-it-works)[TitleVault™](/title-vault)[Sign in](/login)[Get your score — FREE](/signup) ![Heavy Gulf storm sky over low-lying Louisiana bayou landscape with a raised home](/assets/storm-prep-louisiana-hero-DiOtQR-x.jpg) [Home](/)/ [Storm Prep](/storm-prep/)/ Louisiana Louisiana # Louisiana Storm & Hurricane Preparedness: Home Prep, Insurance Claims & Emergency Contacts A homeowner's guide for Louisiana — hurricanes, storm surge, and both riverine and rainfall flooding. What to do before, who to call after, and how to get your claim paid. By Corbivo Team Last updated: November 2026 ## 1\. Louisiana's severe weather risk, by the numbers Louisiana carries one of the highest combined hurricane and flood risk profiles in the country — much of the state sits at or near sea level. **Hurricane Katrina** (August 2005) remains the defining event — catastrophic storm surge and levee failures caused more than 1,800 deaths and tens of billions in damage, most of it from water, not wind. In 2021, **Hurricane Ida** struck southeast Louisiana as a Category 4, devastating LaPlace, Houma, and Grand Isle and knocking out power to more than a million customers. Beyond named storms, Louisiana sees recurring **riverine and rainfall flooding**. The August 2016 Baton Rouge floods — driven by a slow-moving, unnamed rainfall event — damaged tens of thousands of homes, most of them _outside_ the mapped FEMA 100-year floodplain. Add in **spring severe storms and tornadoes** and hurricane-spawned tornadoes across the state, and the year-round risk profile is broad. ## 2\. Louisiana seasonal preparedness timeline Month-by-month, what's likely, and what to do this month to be ready. Months Primary hazard Do this month Jun 1 – Nov 30 Atlantic hurricane season Have your kit, shutters, insurance review, flood policy, and evacuation plan done before June 1. Jun – Jul Early-season storms + heavy rainfall Confirm generator fuel/service, test sump pumps and backflow valves, back up documents, register for parish alerts. Aug – Oct Peak hurricane risk (highest) Track NHC advisories, fill vehicles when a system is 5 days out, refill prescriptions, know your parish evacuation route. Nov Late-season systems + secondary tornado uptick Recheck shutters and roof, retest smoke/CO alarms, confirm home inventory is current before year-end. Dec – May Spring severe storms, tornadoes, riverine flooding Trim trees, inspect roof and flashing, service HVAC, review policy limits and flood coverage before June 1. ## 3\. Hardening your Louisiana home In Louisiana, the biggest claim drivers are storm-surge and rainfall flooding, wind-lifted roofs, and water intrusion through failed openings. - **Elevate utilities & HVAC.** In any flood-prone parish, elevate HVAC condensers, water heaters, and electrical panels above expected flood elevation. Post-flood, most of the repair bill is mechanical. - **Flood venting.** In elevated homes and enclosed lower areas, install FEMA-compliant flood vents so rising water passes through rather than collapsing walls. - **Impact windows & shutters.** Install code-compliant impact-rated windows or hurricane shutters on every opening. Pre-cut plywood is a last-resort backup, not a primary plan. - **Roof tie-downs & wind mitigation.** Have a licensed inspector document hurricane straps and secondary water barriers. Many Louisiana insurers offer a premium discount for verified wind-mitigation features. - **Sump pumps & backflow valves.** Test sump pumps and sewer backflow valves before June 1 — sewer backups during heavy rain are one of the most preventable claim types in Louisiana. - **Generator safety.** Operate generators outdoors only, at least 20 feet from windows and doors. Never inside a garage — even with the door open. CO poisoning kills Louisianans every hurricane season. - **Secure loose items.** When a warning is issued, bring in patio furniture, grills, planters, and anything else that becomes a projectile in 120 mph wind. Trim trees before season, not during a warning. ## 4\. Document your home before the storm When surge or floodwater takes out a Louisiana home, the loss is often total — pre-loss documentation is the difference between a full payout and years of arguing over what was there. The [Governor's Office of Homeland Security & Emergency Preparedness (GOHSEP)](https://gohsep.la.gov/) recommends creating a detailed home inventory — room-by-room photos or video of your belongings — and storing it somewhere that will survive the event that damages your home. Adjusters pay claims on proof, and undocumented belongings are the single biggest reason Louisiana homeowners get underpaid. - Walk every room with your phone and record slow, deliberate video. Open closets, drawers, and cabinets. - Photograph the front of every appliance and its data plate (brand, model, serial number). - Keep receipts, order confirmations, and warranty registrations for expensive items. - Store the whole record off-site — cloud storage, an email to yourself, or a service that keeps a timestamped copy. Surge and flood claims often mean total losses. **Corbivo builds and stores that record for you automatically** — a timestamped inventory of your home, appliances, and belongings, ready when you need it. [Start your Louisiana home file — free](/signup) ## 5\. After a storm in Louisiana: first steps 1. **Call 911 for any life-threatening emergency.** Account for family and neighbors. Avoid downed power lines, gas leaks, standing floodwater, and damaged structures. Never drive into flooded roadways. 2. **Document damage before you clean up.** Photograph and video every angle — exterior, roof from the ground, interior rooms, damaged belongings, water lines on walls, and any standing water. For flood claims, capture the height of the water line before you tear anything out. 3. **Make temporary repairs.** Tarp the roof, cover broken windows, move wet items to dry spots. Save every receipt — insurers reimburse reasonable mitigation costs. 4. **Wait for the adjuster before permanent repairs.** Cleaning up glass and debris is fine; replacing a roof or gutting drywall before the adjuster inspects will cost you on the estimate. Flood adjusters may work under separate NFIP timelines from your homeowners carrier. 5. **Beware post-storm contractor scams.** Louisiana sees a surge of door-to-door "storm chaser" contractors after major events. Never pay in full up front, never sign an assignment-of-benefits form under pressure, and verify a Louisiana contractor's license with the Louisiana State Licensing Board for Contractors before hiring. ## 6\. How to file a home insurance claim in Louisiana 1. **Call your insurer's 24/7 claims line.** Have your policy number ready. Louisiana Citizens Property Insurance policyholders file directly at 1-800-931-9548. 2. **File a separate flood claim if applicable.** NFIP and private flood policies are separate from your homeowners policy — file both if surge or floodwater is involved. 3. **Get a claim number and adjuster name in writing.** Put both at the top of every email and note. 4. **Send your documentation.** Photos, video, receipts, your pre-loss inventory, and a written summary of what happened. 5. **Meet the adjuster on-site.** Walk them through every damaged area — especially easy-to-miss items like lifted shingles, water behind trim, damaged soffits, and A/C condenser damage. 6. **Review the itemized settlement carefully.** Confirm the correct named-storm deductible was applied. If items are missing or valued low, respond in writing with your evidence. 7. **Keep a claims diary.** Date, person, phone number, what was said. 8. **If unresolved, contact the** [Louisiana Department of Insurance](https://www.ldi.la.gov/): [1-800-259-5300](tel:+18002595300). **Reminder:** Standard Louisiana homeowners policies do not cover flooding or storm surge. Rising water requires a separate NFIP or private flood policy, and most NFIP policies have a 30-day waiting period. ## 7\. Louisiana emergency contacts Need Contact Life-threatening emergency 911 Louisiana Dept of Insurance [1-800-259-5300](https://www.ldi.la.gov/) Louisiana Citizens Property Insurance [1-800-931-9548](https://www.lacitizens.com/) FEMA Disaster Assistance [1-800-621-3362](https://www.disasterassistance.gov/) NFIP Flood Insurance [1-800-427-4661](https://www.floodsmart.gov/) Find your parish emergency preparedness office [gohsep.la.gov](https://gohsep.la.gov/) NWS New Orleans/Baton Rouge [weather.gov/lix](https://www.weather.gov/lix/) ## 8\. Parish & regional coordination Louisiana uses **parishes**, not counties. The [Governor's Office of Homeland Security & Emergency Preparedness (GOHSEP)](https://gohsep.la.gov/) coordinates statewide response, and every parish has its own Office of Emergency Preparedness (OEP) that handles evacuation orders, shelters, and damage reporting on the ground. Your parish OEP is usually the fastest number to have on hand during and after an event — find yours through the GOHSEP parish directory before a storm forms, not while you're watching the cone. ## Frequently asked questions ### When is hurricane season in Louisiana? ### Does homeowners insurance cover hurricane damage in Louisiana? ### Does Louisiana homeowners insurance cover flooding or storm surge? ### Who do I call after storm damage in Louisiana? ### How do I file an insurance claim in Louisiana? ### Do I need flood insurance in Louisiana? ## Official Louisiana Resources - [ GOHSEP Governor's Office of Homeland Security & Emergency Preparedness — parish EM directory ](https://gohsep.la.gov/) - [ Louisiana Department of Insurance Consumer Services 1-800-259-5300 ](https://www.ldi.la.gov/) - [ Louisiana Citizens Property Insurance State-established residual-market insurer — 1-800-931-9548 ](https://www.lacitizens.com/) - [ DisasterAssistance.gov Apply for federal disaster help ](https://www.disasterassistance.gov/) - [ NFIP FloodSmart Flood insurance information — 1-800-427-4661 ](https://www.floodsmart.gov/) - [ National Hurricane Center Official NOAA tropical forecasts, cones, and advisories ](https://www.nhc.noaa.gov/) - [ NWS New Orleans/Baton Rouge National Weather Service — Southeast Louisiana forecast office ](https://www.weather.gov/lix/) - [ Ready.gov — Hurricanes Federal preparedness checklists for hurricanes ](https://www.ready.gov/hurricanes) More storm resources For the full preparedness, documentation, and claims playbook — plus other state guides as they roll out — see our [main Storm & Tornado Preparedness Guide](/storm-prep/). ### Have your Louisiana home claim ready before the next storm Corbivo keeps a timestamped, cloud-stored record of your home and belongings — the proof insurers pay claims on. [Get started free](/signup) Louisiana hurricane prep ## Answers for Louisiana homeowners ## How should Louisiana homeowners prepare their home records for hurricane season? Louisiana homeowners should document their home and possessions ahead of hurricane season, which runs June 1 through November 30, and keep that record where a storm cannot destroy it. The state's low-lying delta geography leaves much of it exposed to storm surge, wind, and prolonged flooding, and its dense bayou and coastal parishes are among the most hurricane-vulnerable in the nation. Hurricane Ida struck southeast Louisiana as a Category 4 on August 29, 2021, tearing off roofs, collapsing power infrastructure, and driving damaging surge across coastal communities. The Governor's Office of Homeland Security and Emergency Preparedness (GOHSEP) runs the state's Get A Game Plan campaign, with checklists, evacuation maps, and the Louisiana Emergency Preparedness Guide at getagameplan.org. Preparing your paperwork early is part of that game plan. Corbivo keeps a FEMA-ready home inventory and your full home file backed up off-site, so if you file an insurance or federal-assistance claim after a hurricane, your documentation is already complete and accessible from anywhere. ## When is hurricane season in Louisiana? Louisiana's hurricane season runs June 1 through November 30, with the highest risk of Gulf landfalls from August through October. The state's flat, low-elevation coast and river delta make it especially prone to storm surge and to slow-draining flood water that lingers long after a storm passes. Southeast parishes around New Orleans and the bayou region carry heavy surge and wind exposure, as Hurricane Ida showed at landfall in 2021. Even inland areas face heavy rainfall flooding, so preparation should extend statewide each season. [![Corbivo™](/assets/corbivo-logo-white-F9K1zQW4.png)](/) Your home's complete digital file. Track, maintain, and protect. 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