Metairie, LA Home InsuranceHome insurance in Metairie, LA
Parts of Metairie are in mapped flood zones, and flooding isn't covered by a standard policy. Here's what to check.
Flood risk in Metairie
Flooding is not covered by a standard homeowners policy anywhere in the country — it is a separate policy. Whether you are required to carry it depends on the zone your address falls in.
FEMA's current mapping for the Metairie area shows Zone AE, Zone VE, Zone V alongside Zone X, which is the lower-risk designation.
Jefferson Parish is in FEMA's Community Rating System at Class 3, which earns residents 35% off flood insurance in the high-risk zones, through the county. Most homeowners have never heard of this and it applies automatically.
Source: FEMA National Flood Hazard Layer; NFIP community 225199.