What Is Flood Insurance? The Truth Every Louisiana Homebuyer Should Know

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If you’re relocating to Shreveport–Bossier or anywhere in North Louisiana, one of the first questions you’ll eventually ask is: “What is flood insurance, and do I really need it?” This video breaks it all down in a simple, homeowner-friendly way—no confusing insurance jargon included.
In this full guide, I explain what flood insurance actually covers, how it works in Louisiana, what it doesn’t cover, and why standard homeowners insurance isn’t enough when it comes to rising water, heavy rain, or storm-related flooding. Whether you’re moving from out of state or buying your first home here, understanding your flood risk is a huge part of protecting your investment.

We’ll cover:
✔ What flood insurance is
✔ Who needs it in North Louisiana
✔ How NFIP and private flood insurance work
✔ Factors that affect your flood insurance rates
✔ Common misconceptions first-time buyers have
✔ How to check your flood zone before making an offer
✔ Why flood insurance matters—even outside high-risk areas

North Louisiana may not sit on the coast, but storms like Hurricane Laura proved that major wind and rain can still impact Shreveport–Bossier. This video gives you the information you need to feel confident, prepared, and protected before making a move.

If you found this helpful, don’t forget to like, subscribe, and comment with your questions about moving to Louisiana—I’m happy to help!

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Aurora Wells, Realtor
337-340-1116

Aurora Wells
REALTOR®
Berkshire Hathaway HomeServices
Ally Real Estate
700 Ogilvie Street, Suite D
Bossier City, LA 71111
Office: 318.231.2000
Cell: 337.340.1116
A member of the franchise system of BHH Affiliates, LLC. Each office is independently owned and operated. Licensed by the Louisiana Real Estate Commission.

Fair Housing Disclaimer: This video is for general informational purposes only. It’s open and inclusive to everyone, and no preference or limitation is intended or implied.