Flood Zone X (shaded)

Zone X simply means it’s the least likely of all zones to have a flood - they call it the 100 year flood. It’ll still flood but insurance is not required in these zones.

If you can afford it, buy the insurance anyway unless it’s 10’ high. I’m in zone X and came within inches of flooding in 2016. X zones flood every single year. Problem with X is that even those policies have increased a lot in the past couple years. I pay $800/year for the full $250,000/$100,000 building/contents coverage and it started out at $425 I believe. My asscheeks are still sore from all the clenching they did on August 15, 2016 so I’ll never not have the insurance.

Yep! It’s always impossible until it’s not. Another thing to remember about floods is that no two are ever the same. Local crests could be identical and different areas will flood so you can’t say “oh well I didn’t flood in 2016 so I’ll never flood”.

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I’m in zone X and came within inches of flooding in 2016. X zones flood every single year. Problem with X is that even those policies have increased a lot in the past couple years. I pay $800/year for the full $250,000/$100,000 building/contents coverage and it started out at $425 I believe. My asscheeks are still sore from all the clenching they did on August 15, 2016 so I’ll never not have the insurance.

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This was exactly my experience
Lived here 20 years and never once had water eclipse the top of the curb at the end of my driveway, hurricanes and all.......not once. Decided not to pay that $425 premium that year. I'll straight up tell you I had tight butt cheeks that day, and was using tape measure between the water and my door every 15 minutes for 24 hours.
My wife is like, OMG, what's our flood insurance deductible? I'm like, uhhh I think it's $1000 or something.......I couldn't tell her that day we actually had no flood insurance.

Water reached my porch and it stopped raining. Thank you Jesus.

FEMA reclassified a lot of property around LC after Rita. If it hasn’t flooded during Rita or Ike you’re probably safe. Still worth getting the ins though.

From what i understand the entire state is in a flood zone, it’s just varying degrees of the flood zone rating

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Screw FEMA with an aids dick. I’m in a flood zone but my neighbor is not and my elevation is the same if not a touch higher.

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FEMA is in the process of changing the maps in Lafourche.


The new map puts me in the shaded X zone where I believe it is a .2% chance of flooding, but that is just the house as the rest of the lot shows a flood zone. Also, I am elevated at least 3 feet from the ground level so if it floods, it would be from a catastrophic levee failure and would flood everyone on the South Lafourche area. FEMA is pricing this risk as much as what home owners costs for insurance. Although, I am still a few years from paying that rate as the rate increase is locked at 18% each year.

Didn’t matter if you had flood insurance or not in 2016. Everyone I know who didn’t have flood insurance still was able to collect from FEMA enough to fix their houses.

I was like WTF have I been paying for flood insurance if it takes this kind of event for me to flood then everyone gets paid.

SBA Loan Baw, they didn’t get free money.
Flood 2.0 has increased zone X premiums astronomically, I rated an $80k rental zone x LC city limits last year and it was $3,200.
National Flood Insuranxe Program is in worse shape than SS, think about that.

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Carry insurance. My new insurance policy is living on a mountain, except now i get to deal with erosion and foundation issues.

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I carry it now where I'm at. But it's discounted due to the flood zone X.

I hope not to buy in a place that will force us to on a flood zone change and make it mandatory driving the cost up.