Livingston Parish Flood Insurance Rates to Drop After CRS Rating Upgrade

Livingston Parish in Louisiana will see a reduction in flood insurance premiums due to an improved federal flood rating. The parish's rating improved from Class 10, the lowest rating, to Class 7, reflecting enhanced floodplain management and community resilience efforts. This upgrade results from the parish's commitment to addressing floodplain violations and implementing stronger mitigation policies since 2016. The new classification, effective April 7, 2026, will lead to approximately a 15% decrease in flood insurance costs for homeowners. Key stakeholders, including the Parish President and local government staff, contributed to achieving this reclassification by aligning with the Community Rating System (CRS) standards. The rating change underscores advancing regulatory compliance and risk management within the parish's insurance landscape.