Short answer: In Louisiana, the Department of Transportation and Development is the governor-designated state coordinating agency for the NFIP. DOTD also supports communities in FEMA's Community Rating System, where a community's class sets an NFIP premium discount from 5% (Class 9) to 45% (Class 1). The Louisiana Watershed Initiative organizes flood-risk work into provisional watershed regions with steering committees.
This guide is general information for Louisiana property owners and renters about flood risk and the National Flood Insurance Program. It isn't a coverage determination. FEMA maps, your community's floodplain ordinance and your policy wording control.
DOTD runs the state NFIP office
Per DOTD's National Flood Insurance Program page, DOTD is the State Coordinating Agency for the NFIP as designated by the governor. It promotes local compliance through on-site assessments, a quarterly newsletter, workshops and technical assistance, so that low-cost flood insurance stays available in participating parishes and towns.
Your parish's CRS class matters
DOTD's Community Rating System page publishes the CRS discount ladder: Class 9 = 5% off, up in 5-point steps to Class 1 = 45% off, with Class 10 = 0%. Under NFIP's current pricing, the discount applies to the full-risk premium. Ask your agent which class your community holds; the state office helps communities keep or improve their class.
Louisiana Watershed Initiative
The Louisiana Watershed Initiative FAQ explains the state created nine provisional watershed regions with steering committees to coordinate flood-risk reduction across parishes and distribute project funds. For how Louisiana's coastal zones compare with other Gulf and Atlantic states, see our flood zone guide.
Quote NFIP through FloodSmart; most new policies wait 30 days, so buy well before hurricane season.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Louisiana.
Frequently asked questions
Who coordinates the NFIP in Louisiana?
DOTD, designated by the governor as the state coordinating agency.
How much can CRS save on Louisiana flood insurance?
From 5% for Class 9 up to 45% for Class 1, per DOTD's CRS table.
What is the Louisiana Watershed Initiative?
A state effort that created nine provisional watershed regions to coordinate flood-risk reduction and project funding.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.