re: Will the astronomical rise in homeowners/flood insurance empty out the Southshore?

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Federal government never should have been subsidizing insurance to begin with... wouldn't have these issues coming to a head like this

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Hmm, maybe LA should be voting in all Democrats for federal offices? It seems that it's only after events like Katrina do fiscal conservatives like Vitter become spendaholics.

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I'm just looking for a different place to live. To hell with this shite.

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So the Bogalusa Smell hasn't motivated you yet to leave?

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If it’s not the lack of economic opportunity and crime it’s the cost of living. Such a sad thing to sit by and watch honestly.

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It's a combination of both - the Southshore (at least the core East Bank of Jefferson & Orleans upriver from the Industrial Canal) has prices that are in line with other places, but that have a labor market where the pay is enough to afford that housing. Enough folks have to make the pay-housing (including insurance) analysis to say "it's not worth it", so that there is enough of a labor shortage to boost wages up to a level to afford it.

That said, except for Slidell, the Northshore will have cheaper insurance (especially if the house is in flood zone X - the updated zones, of course), so folks can still live around here, just not on the Southshore unless they want to pay the price - or live in a new construction house that can take a Cat 5 storm. I think the problem is all the existing construction not being strong enough, or not high enough above grade, etc. (this presumes no Betsy/Katrina levee failure ).

Maybe this will motivate the poor people (who will experience much higher rents as the landlords will pass on the cost of insurance) to go somewhere else like Houston, and all the poor neighborhood housing can be demolished and replaced with super-strong housing. One thing that is for sure is that older houses will have such a high, extraneous cost (relative to a new house) will decrease in value.

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My current plan is to build a house in northern St. Tammany. I'm planning on putting a metal roof and as much structural resilience as possible. Will that be enough?

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For a hurricane if you put it in a spot that doesn’t flood?

Probably.

Not for a tornado though.

And Louisiana is a shite domicile for writing insurance, reputable firms go elsewhere because the squeeze in Louisiana is not worth the juice to them.

Mississippi, Alabama, or Texas are better climates for insurance companies.

That’ll be reflected in their rates for similar risk areas.

Can our attny general help?

Go google it...Auto insurance in the state of texas went up 24% and specifically Geico in the state of texas went up 50%.