Westwego, Louisiana Flood Zones
Last updated: March 2026
Westwego in Jefferson Parish faces flooding from the Mississippi River and Harvey Canal. The community sits in low-lying terrain protected by levees and is vulnerable to storm surge and heavy rainfall events.
Jefferson Parish has recorded 135,477 NFIP flood insurance claims since 1978, totaling $3.5B 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
99,068
Jefferson Parish
Avg. Premium
$990/yr
Jefferson Parish
FEMA Flood Risk Profile: Jefferson 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 HighEst. annual loss: $75.8M
Coastal Flood Risk
Very HighEst. annual loss: $10.8M
Hurricane Risk
Very HighEst. annual loss: $250.7M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Jefferson Parish
Jefferson Parish has been included in 38 federal flood-related disaster declarations.
...and 30 earlier declarations since 2008.
These declarations affected communities across Jefferson Parish, including Westwego.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Jefferson Parish
Properties in Jefferson Parish have filed 135,477 NFIP flood insurance claims totaling $3.5B in payouts since 1978. The average claim payout is $26K.
Highest-Claim Years
2005
65,910 claims - $2.7B
1995
16,109 claims - $303.2M
1980
7,806 claims - $51.3M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
What Your Flood Zone Means in Westwego
Westwego faces a combination of coastal and inland flood risks. Storm surge from hurricanes and tropical storms pushes seawater inland, while heavy rainfall simultaneously overwhelms rivers, bayous, and drainage infrastructure. This dual threat means flooding can come from multiple directions at once. The most common FEMA flood zone designations in Westwego are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $75.8M. The county is rated "Very High" for coastal flood risk by FEMA's National Risk Index.
Combined coastal and inland flood exposure in Westwego means properties may face higher premiums than areas with only one flood source. FEMA's Risk Rating 2.0 accounts for multiple flood sources, including coastal surge distance, river proximity, and rainfall-driven flooding. 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.
Flood maps in areas with combined coastal and inland risk are among the most complex in the FEMA system. Major storms often trigger FEMA restudies that can significantly shift zone boundaries. Letters of Map Revision (LOMR) after hurricanes may expand SFHA coverage as new storm data is incorporated. Use our free lookup tool to check the current flood zone for any Westwego address.
Flood Insurance Discount: Westwego
Westwego 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 7
SFHA Premium Discount
15% off
CRS classes range from 1 (best) to 10 (no discount). Westwego's Class 7 rating means NFIP policyholders in the SFHA can receive up to a 15% 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.
Westwego, LA Flood Zone FAQ
What flood zones are in Westwego, LA?
The most common FEMA flood zones in Westwego 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 Westwego?
If your Westwego 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 Westwego?
Enter your Westwego 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 Westwego offer flood insurance discounts?
Yes. Westwego participates in FEMA's Community Rating System (CRS) with a Class 7 rating, qualifying residents in the Special Flood Hazard Area for up to a 15% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Westwego experienced major flooding events?
Jefferson Parish, where Westwego is located, has been part of 38 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Hurricane 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 Westwego?
Jefferson Parish has recorded 135,477 NFIP flood insurance claims totaling $3.5B in payouts since 1978. The year with the most claims was 2005, with 65,910 claims and $2.7B in payouts. These figures cover all NFIP claims in the county, including Westwego.
How many flood insurance policies are active in Westwego?
Jefferson Parish currently has 99,068 active NFIP flood insurance policies with an average annual premium of $990. The most policies are in Zone AE (53,920 policies). These figures cover all active NFIP policies in the county.
Can my Westwego 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 Westwego?
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 Westwego'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.
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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.