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Flood Zones in Faubourg St. John

Click on the map for a larger view.

If you are in any A Zone you are below the Base Flood Elevation and are required to carry flood insurance under the National Flood Insurance Program. The higher the number following the A (It is better to be in A0 than A30) the more likely a property is to flood.

If you are in any V Zone you are below the Base Flood Elevation in a Coastal area and are required to carry flood insurance under the National Flood Insurance Program. The higher the number following the V (It is better to be in V0 than V30) the more likely a property is to flood.

If you are in a B Zone you are above the Base Flood Elevation and are NOT required to carry flood insurance. However, for most homes in Zone B, the annual cost for flood insurance is less than 400 dollars per year.

 

Click here for a flood zone map of the entire Mid-City area.

Check out flood maps and information from the LSU Ag Center in the link below:

http://www.lsuagcenter.com/en/family_home/home/design_construction/Laws+Licenses+Permits/Getting+a+Permit/Your+Flood+Zone/flood_maps/

 

Click here for more information.

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Neighbor Tim Ruppert adds these thoughts:

1. Flood maps are based on the 100-year flood elevation. A 100-year flood may sound impressive, but it’s not. In fact, there is a 26% chance that you will experience a 100-year flood at least once before you pay off a 30-year mortgage. So if you’re above the Base Flood Elevation, that’s good but it’s not great. Larger floods can and will happen. No one is 100% immune.

2. If you experience damage from rising water, standard homeowners insurance pays NOTHING. When the next catastrophic hurricane hits, even if you have wind and rain damage, insurance companies will try to attribute most or all damage to flooding. That’s a fight you don’t want to get into. Better to be insured for all perils.

3. Rates vary based on flood risk maps. Because most of our neighborhood is “high ground,” and parts of it are in zones where flood insurance is not required by lenders, the insurance for us is inexpensive.