Shreveport, LA Flood Zone Lookup
Last updated: March 2026
Shreveport faces flooding from the Red River, Cross Bayou, and numerous tributaries. The city's location in northwest Louisiana makes it vulnerable to both riverine flooding and intense rainfall events.
Caddo Parish has recorded 2,425 NFIP flood insurance claims since 1978, totaling $41.5M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 6
NFIP Policies
5,167
Caddo Parish
Avg. Premium
$653/yr
Caddo Parish
FEMA Flood Risk Profile: Caddo Parish
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively ModerateEst. annual loss: $34.7M
Hurricane Risk
Relatively ModerateEst. annual loss: $2.1M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Caddo Parish
Caddo Parish has been included in 23 federal flood-related disaster declarations.
...and 15 earlier declarations since 2005.
These declarations affected communities across Caddo Parish, including Shreveport.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Caddo Parish
Properties in Caddo Parish have filed 2,425 NFIP flood insurance claims totaling $41.5M in payouts since 1978. The average claim payout is $17K.
Highest-Claim Years
1991
461 claims - $6.2M
2008
344 claims - $8.6M
2016
265 claims - $10.7M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage: Caddo Parish
Only roughly 1 in 18 households in Caddo Parish carries NFIP flood insurance (5% of estimated households). This county has elevated flood risk with below-average insurance coverage, meaning many flood losses may go uninsured.
Penetration Rate
5%
roughly 1 in 18 households
Historical Claims Ratio
1 in 2
2,425 claims over 45+ years across 5,167 current policies
Avg. Claim Payout
$17,113
Per claim, county-wide since 1978
Historically, Caddo Parish has averaged 1 claim for every 2 active policies (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of March 2026, claims since 1978 (March 2026), population from FEMA NRI. All figures are county-wide and include Shreveport.
What Your Flood Zone Means in Shreveport
Shreveport faces flood risk primarily from river and stream overflow during heavy rainfall, snowmelt, or upstream dam releases. When rivers exceed their banks, floodwaters spread across low-lying areas mapped in AE and A zones. The most common FEMA flood zone designations in Shreveport are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $34.7M.
Riverine flood risk in Shreveport is driven by the proximity and elevation of properties relative to nearby waterways. Properties closer to rivers with lower ground elevations typically face higher flood insurance premiums under FEMA's Risk Rating 2.0. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
River flood maps can change when FEMA conducts new Flood Insurance Studies or when development alters drainage patterns. Letters of Map Amendment (LOMA) can remove individual properties if the natural ground elevation was always above the Base Flood Elevation and the property was inadvertently mapped in the SFHA. Use our free lookup tool to check the current flood zone for any Shreveport address.
Repetitive Loss Properties: Caddo Parish
Caddo Parish has 241 properties with multiple flood insurance losses, including 31 severe repetitive loss properties. 11 properties have received FEMA mitigation funding. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced March 2026.
Multiple Loss
241
2+ claims within 10 years
Severe Repetitive Loss
31
4+ claims or 2 exceeding value
Mitigated
11
Received FEMA mitigation
By Flood Zone
Zone data available for 235 of 241 properties.
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced March 2026.
Recorded Flood Events: Caddo Parish
NOAA has recorded 269 flood events in Caddo Parish since 1996, causing $22.8M in damage and 2 deaths.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
Flood Mitigation: Caddo Parish
FEMA has funded mitigation for 73 properties in Caddo Parish, investing $2.2M in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced March 2026.
Flood Insurance Discount: Shreveport
Shreveport participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 8
SFHA Premium Discount
10% off
CRS classes range from 1 (best) to 10 (no discount). Shreveport's Class 8 rating means NFIP policyholders in the SFHA can receive up to a 10% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only.
Shreveport, LA Flood Zone FAQ
What flood zones are in Shreveport, LA?
The most common FEMA flood zones in Shreveport are Zone AE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Shreveport?
If your Shreveport property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since over 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Shreveport?
Enter your Shreveport address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does Shreveport offer flood insurance discounts?
Yes. Shreveport participates in FEMA's Community Rating System (CRS) with a Class 8 rating, qualifying residents in the Special Flood Hazard Area for up to a 10% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Shreveport experienced major flooding events?
Caddo Parish, where Shreveport is located, has been part of 23 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Tropical Storm Francine in 2024. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Shreveport?
Caddo Parish has recorded 2,425 NFIP flood insurance claims totaling $41.5M in payouts since 1978. The year with the most claims was 1991, with 461 claims and $6.2M in payouts. These figures cover all NFIP claims in the county, including Shreveport.
How many flood insurance policies are active in Shreveport?
Caddo Parish currently has 5,167 active NFIP flood insurance policies with an average annual premium of $653. The most policies are in Zone AE (2,970 policies). These figures cover all active NFIP policies in the county.
How many Shreveport properties have flooded repeatedly?
Caddo Parish has 241 properties with multiple flood losses on record, including 31 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Can my Shreveport property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Shreveport?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Shreveport's Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
Other Louisiana Cities
Understanding Flood Zones
Look Up Any Shreveport, LA Address
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Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on March 2026 and may not reflect the most recent changes. This page is for informational purposes only and is not a certified flood zone determination. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.