Shreveport, LA
Flood Insurance in Shreveport.
NFIP and private flood for Caddo Parish — no storm surge, no coastal pricing, but a documented history of flash flooding outside the mapped zones.
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Shreveport
What shapes flood insurance in Caddo Parish.
Rainfall first, rivers second
Caddo Parish flooding is driven mainly by intense rainfall on the local bayou and lake system rather than by the Red River. The March 2016 event was the benchmark: 13.14 inches fell at Southern Hills in Shreveport, setting record crests on Cross Lake, Cross Bayou and Bayou Pierre and triggering a federal disaster declaration with individual assistance.
No surge, and it shows in the price
There are no coastal high-hazard V or VE zones anywhere in Caddo Parish — storm surge simply does not reach 190 miles inland. That difference is measurable in premium: the average NFIP flood policy in Caddo Parish runs roughly a third below the average in Orleans or Jefferson Parish.
A lot of buyers are outside the zone
Roughly a fifth of in-force NFIP policies in Caddo Parish are on properties rated in Zone X, meaning owners bought voluntarily rather than because a lender required it. The Red River crested in 2015 at its highest since 1945, and the 2016 flash flood followed.
What a quote needs
Flood Insurance in Shreveport.
What we'll typically ask for.
- Property address
- Elevation certificate, if you have one
- Foundation type
- Year built and square footage
- Current flood policy, if any
FAQ
Flood Insurance in Shreveport, answered.
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