North Louisiana residents learned the value of flood insurance in 2008 when Hurricane Gustav moved up the state and "dumped two days of back-to-back 12-inch rains," flooding homes and businesses he said. "Whether you're in Oil City or Grand Isle, I recommend that you get flood insurance."
"Approximately 35 percent of all flood insurance claims come from low-risk flood zones, but only 31 percent of Louisiana residents have flood insurance," Donelon said. "That 31 percent is much too low."
Also consider the following: Areas that have never been known to flood in the modern era have shown up in recent history flooded.
Flood-zone maps are an inexact science, and you should factor into your insurance budget flood zones possibly expanding well beyond currently demarcated flood areas.