the Northshore, LA
Flood Insurance on the Northshore.
NFIP and private flood coverage across St. Tammany Parish — a parish that floods four different ways, where the right policy depends entirely on which town you are in.
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the Northshore
Local flood insurance, built for St. Tammany Parish.
Four flood mechanisms in one parish
St. Tammany identifies riverine, stormwater, surge, backwater and coastal flooding as distinct hazards within its borders. Very few markets can honestly say that. The lakefront communities of Mandeville, Madisonville and Slidell face surge; interior towns like Covington and Pearl River face riverine flooding from the Tchefuncte and its tributaries.
The scale of the loss history
Parish-wide, St. Tammany has recorded roughly 3,398 repetitive-loss structures across more than 10,000 claims, totalling about $436 million paid — concentrated in the southern parish near the Lake Pontchartrain shoreline. There are around 49,884 NFIP policies in force across the parish.
Where you are changes everything
Worst-case modelled flood depths run near 18 feet for the lakefront communities and 5 to 7 feet for the interior. Slidell has recorded roughly 1,030 repetitive-loss structures against Covington's 57. Two Northshore homes can carry wildly different flood exposure, so we rate them on their own facts rather than a parish average.
Coverage details
Flood Insurance on the Northshore.
What a flood insurance policy placed for a the Northshore 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
Also serving Flood Insurance in Mandeville · Flood Insurance in Covington · Flood Insurance in Slidell · All service areas
FAQ
Flood Insurance on the Northshore, answered.
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