Louisiana
Louisiana carrier insolvencies after Ida reshaped placement. Know who's likely still writing in Louisiana.
Multiple Louisiana carriers exited or became insolvent after Hurricane Ida. The market is rebuilding through Louisiana Citizens depopulation and incentive programs — but capacity is concentrated in inland parishes.
Carrier landscape: Constrained — coastal especially
A modeled read of which carriers are writing in Louisiana, not an offer of coverage and not a quote. Availability is confirmed by a carrier, per property.
- Multiple post-Ida insolvencies still affecting placement
- Louisiana Citizens depopulation underway
- LDI incentive program drawing new entrants
Perils we score for Louisiana
Hurricane / wind
How CoverGuard scores hurricane / wind exposure for a property in this state.
- Hurricane / wind data sources
- NOAA hurricane tracks + ASCE 7-22 wind maps (estimated)Modeled estimate
- Source: NOAA hurricane tracks + ASCE 7-22 wind maps (estimated) · Last checked 2026-06-02.
- State-level sourcing. A property-level answer needs the address.
Flood
How CoverGuard scores flood exposure for a property in this state.
- Flood data sources
- FEMA NFHL + NOAA coastal flood hazardModeled estimate
- Source: FEMA NFHL + NOAA coastal flood hazard · Last checked 2026-06-02.
- State-level sourcing. A property-level answer needs the address.
Hail
How CoverGuard scores hail exposure for a property in this state.
- Hail data sources
- NOAA SPC storm reportsModeled estimate
- Source: NOAA SPC storm reports · Last checked 2026-06-02.
- State-level sourcing. A property-level answer needs the address.
ZIPs worth watching
ZIPs our team flagged for this market at its last review, not a modeled ranking. A ZIP appearing here does not mean a property in it is uninsurable, and its absence does not mean a property is easy to place.
- 70360
- 70058
- 70394
- 70510
- 70043
Last checked 2026-06-02. Figures are modeled from public hazard and market sources; each peril above names its own.
Louisiana insurance terms worth knowing
Named Storm Deductible
A separate, higher deductible that applies only once a storm is officially named by NOAA — common along hurricane-exposed coastlines.
Non-Renewal
A carrier's decision not to renew a policy at its next term — distinct from a cancellation, and the leading edge of a market pulling back from a geography.
Admitted vs. Non-Admitted (Surplus Lines) Carrier
Whether an insurer is licensed and rate-regulated by the state (admitted) or operates outside that system for hard-to-place risks (surplus lines).
From the CoverGuard Record to a quote request — without the surprises
With carriers exiting major markets, insurance is killing deals at closing. CoverGuard reads the CoverGuard Record, models which carriers are likely to write the risk and what cover should cost, and sends your quote request to CoverGuard’s brokerage team — before anyone signs on the dotted line.
CoverGuard is in Private Preview. Ask for an invitation and a member of our team will review it — usually within one business day. Available in all 50 states.