Kenner, LA
Flood Insurance in Kenner.
NFIP and private flood coverage for Kenner — a city that sits largely below sea level and clears its rainfall by pump, where being behind a levee is not the same as being out of reach of water.
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Kenner
Local flood insurance, built for Jefferson Parish.
Rain is the usual culprit, not surge
The City of Kenner puts it plainly: the most common source of flood water here is rain. The ground is low and flat with almost no gravity drainage, so stormwater has to be pumped out through the canal system — and rainfall over an inch can start to overwhelm it. Hurricane Francine demonstrated it in September 2024, dropping 6–9 inches across the parish in a couple of hours and flooding 264 Kenner homes, mainly around Loyola Drive.
Behind a levee is not outside the risk
Kenner sits inside the Hurricane and Storm Damage Risk Reduction System, which is built to a 1%-annual-chance standard. Jefferson Parish's own guidance is blunt about what that means: no levee provides full protection, and the parish strongly recommends flood insurance for all properties behind levees. Much of the city sits at or below sea level, on land prone to subsidence.
Kenner is its own flood community
Kenner administers its own floodplain program separately from unincorporated Jefferson Parish, which is what "Metairie" legally is. Permits, elevation certificates, and the community discount that applies to your premium are set at the city level — so two similar homes a mile apart can rate differently. We factor that into the comparison.
Coverage details
Flood Insurance in Kenner.
What a flood insurance policy placed for a Kenner property typically includes.
- NFIP Dwelling Form and private-market flood options compared
- Building and contents coverage (contents purchased separately on NFIP)
- Coverage whether or not you're in a high-risk flood zone
- Excess flood above the NFIP $250K building cap for higher-value homes
- 30-day NFIP waiting period — bind before a storm is named
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