Why do so many not have flood insurance?

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This type of flooding is completely different than the storm surge from a Hurricane. That's why you don't see that many "learning their lesson" from Katrina.

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I understand that, but if that didn't teach people that anything can happen, like levee walls breaching, then I don't know what will. I truly don't think there is anywhere in this region where you can say, cannot be flooded. I am talking about SE Louisiana.

By the way, my grandmother lived in Slidell at the time of Hurricane Katrina and had 4 feet of water and she had flood insurance. She was right by Lake Ponchartrain. Talking to people personally it seems that the line seems to be well I don't live in a flood zone and didn't require it, so I don't like spending money on it and so I don't have it.

Insurance is a necessary evil. Hopefully you will never need it, but God forbid if you need it and don't have it.

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You just have to do a thorough risk analysis on what you feel is merited and what is not worth the risk outside of what is mandated.

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I think that is the point. People feel like they will never need it and would rather not spend the money. I think many that lived in Livingston, Tangipahoa and Denham Springs believed the same. I understand if times are tough, but most of the people I talked to just don't want to spend the money and blow it on stupid stuff. I don't get it.

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Because the government and flood insurance industry do a piss poor job of making logical sense to most people when it comes to explaining flood risk, flood maps, flood insurance, and everything else related to it.

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No doubt with that, but sometimes you just need to do your homework and get informed. Hopefully after the most recent flooding people will now purchase flood insurance and people won't have to rely on FEMA to help. Even if they get $32K, no way that will make them whole. That won't even cover contents, let alone the house.

Feel badly for people but I think some of this falls on the homeowners doing their homework. The only thing I don't have insurance wise is an umbrella policy, but I have health insurance, flood, homeowners, auto and have more coverage than I need in most cases.

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I was simply stating that your point of using a flooding event caused by storm surge as reasoning for getting flood insurance in a community 50+ miles inland doesn't really make much sense outside of the "anything can happen" scenario.

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Agreed but that was my point.

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Surely you can understand why she would carry it vs. someone that lives in a neighborhood with a ditch 1/2 mile from them in the back of the subdivision that doesn't even fill up when it "rains hard".

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Yes, if she didn't have it that would not be smart.

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I don't think the "so I don't like spending money on it part" is accurate. More of people putting too much trust into the flood maps and not understanding that a Flood Zone X doesn't eliminate the chance for flooding.

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The people I know here in the Northshore that is how the conversation went. I was told I didn't need it and am not going to waste my money. Yet they drive around burning gas in their suv playing pokemon go. They have the money, they don't want to spend it. Not saying this is what everyone is saying, just the ones I know.

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I understand that, but if that didn't teach people that anything can happen, like levee walls breaching, then I don't know what will. I truly don't think there is anywhere in this region where you can say, cannot be flooded. I am talking about SE Louisiana.

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If we are going to make insurance decisions based on the reasoning that anything can happen instead of proper risk analysis then everyone should start buying additional life insurance every time they fly.
From looking at the aerial photos of the flooding overlaid with the flood maps of the Baton Rouge area, probably 99% of those that didn't require flood insurance and didn't buy it made the correct decision. There are those that did get water in areas that never flooded before, but that was from a flood event that had a 0.1 percent or 1 chance in a 1000 of happening.

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if the floodwaters reach me the insurance company probably won't be able to pay out.

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flood insurance company is the federal govt., they will just print up more money

Flood insurance is not that expensive and it's worth every penny that you pay into it....most people could afford it if they wanted too....if you live in south louisiana it's worth spending g the money on it.... I live downtown and I'm very grateful that it doesn't flood in Spanish town....

How bout a flash flood