The disappointing surprise is that while the standard home insurance policy does cover fire and wind damage, even good property insurance typically doesn’t cover things like flooding and earthquakes, which usually require a special and separate policy for each. Here are the things to know about flood insurance.

Not only is Louisiana the most expensive state for home insurance, it's also the state where premiums skyrocketed the most—by 38% in 2024. The average cost was $10,964. By the end of 2025, that amount is expected to climb to $13,937.