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Get Flood Insurance Today. Be prepared for Flooding and Funding

Thursday August 25, 2022 02:32 pm - 1324 Views - Posted By Recovery Assistance & Mitigation Planning
Get Flood Insurance Today. Be prepared for Flooding and Funding

Terrebonne Parish

Department of Planning and Zoning

Recovery Assistance and Mitigation Planning

FloodSafe Minute

Get Flood Insurance Today.  Time to Get Prepared for Flooding and Funding

Next week is the Louisiana Flood Awareness Week, but this week is a critical time for people who live in severe repetitive loss or repetitive loss structures.  FEMA will be offering applications for elevation or reconstruction of repetitive loss structures, but only if they are insured on the day that the application opens.  The grant will open September 30th, but an insurance policy takes 30 days to be in effect.  GET YOUR FLOOD INSURANCE IN PLACE TODAY! 

Severe Repetitive Loss properties are eligible to compete nationally for 100% grant for elevation or demolition/reconstruction of the structure.  Other repetitively flooded structures may be eligible for 90% of the total project cost. 


Flood insurance has a 30-day waiting period before it is finalized, so no one interested in the grants should wait to pay the premium.  A quote or even paid policy doesn’t count.  Applicants will need to have a policy IN EFFECT by September 30th

The funding for these grants come from the National Flood Insurance Program premiums, so the structure needs to be covered by an NFIP flood insurance policy.  

Anyone who has an SRL or RL property is advised to get flood insurance AND contact the Recovery Assistance and Mitigation Planning Office at 985-873-6565 to get a letter of interest and start gathering information for an application. 

The SRL group consists of any NFIP-insured residential property that has met at least 1 of the following paid flood loss criteria since 1978, regardless of ownership:

••4 or more separate claim payments of more than $5,000 each (including building and contents payments), 2 within a ten-year period; or

•• 2 or more separate claim payments (building payments only) where the total of the payments exceeds the current value of the property, 2 within a ten-year period.

If the grant is awarded, the program will pay 100% of the elevation total project cost up to $333K.

Repetitive Loss (RL) property for the purposes of the grant program is a property that has incurred flood-related damage on two occasions, in which the cost of the repair, on the average, equaled or exceeded 25% of the market value of the structure at the time of each such flood event – over 50% damaged in 2 events. 

If the grant is awarded, the program will pay 90% of the elevation total project cost for a repetitive loss property up to $333K.

The time to prepare is now.  Spread the work to get flood insurance and get above the flood!

Call your insurance agent now, or call 873-6565 for grant information


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