Climate Risk Summary

Labadieville, LA Risk Profile

The primary drivers of climate-related financial risk in Labadieville, LA are Hurricane, Coastal Flooding, and Inland Flooding. This area also faces an unusually high intensity for Tornado, Drought, Heat Wave, and Lightning compared to national averages. Based on recent federal data, homeowners in this market face an estimated average annual insurance premium of $2,992, with a local policy non-renewal rate of 2.6%.

City Risk Scorecard
Physical Resilience0/100

Based on FEMA EAL and hazard intensity.

Insurance Stability
Underwriting Pressure

Loss ratios exceed 80%. Carriers are paying out significantly relative to premiums.

Primary Risks

Hurricane

$555,638

Expected Annual Loss for Labadieville

97.9Score

Very High compared to US average

Labadieville
Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$432,168

Expected Annual Loss for Labadieville

99.7Score

Very High compared to US average

Labadieville
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$110,571

Expected Annual Loss for Labadieville

32.4Score

Relatively Low compared to US average

Labadieville
Minimal Estimated LossMax Estimated Loss

Spatial Analysis

FEMA Flood Zones
FloodwayHighest Risk / Active Channel
High Risk (100-Year)1% Annual Chance Flood
Moderate Risk (500-Year)0.2% Annual Chance Flood
NRI Risk Index
Very Low
Low
Moderate
High
Very High
Extreme

Flood Plain Analysis

Significant Flood Exposure in Labadieville

FEMA Flood Maps for Labadieville identify the "100-year" and "500-year" floodplains (1% and 0.2% annual chance), but modern climate risk analysis suggests that nearly 25% of flood insurance claims originate from properties outside of these designated high-risk zones.

Use the map above to better understand risk by looking at both the FEMA flood plain maps and FEMA Risk Inventory maps by census tract. Standard FEMA maps may not account for 'flash flooding' from intense rain events.
FEMA Designation vs. Reality
Very High
Relative Vulnerability
$432,168
Annualized Property Exposure

Insurance Market Stability

Avg. Annual Premium

$2,992

Estimated baseline property insurance cost prior to localized disaster surcharges.

Non-Renewal Rate

2.6%

The percentage of homeowner policies canceled by insurers, a key indicator of market retreat.

Insurer Loss Ratio

208%

For every $1 collected in premium, insurers are paying out $2.08 in claims. Elevated ratios signal impending premium hikes.

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$555,638
Score: 97.9
MAJOR DRIVER
Coastal Flooding
$432,168
Score: 99.7
MAJOR DRIVER
Inland Flooding
$110,571
Score: 32.4
UNUSUALLY HIGH
Tornado
$95,607
Score: 89.1
UNUSUALLY HIGH
Drought
$57,802
Score: 97.4
Cold Wave
$42,548
Score: 78.2
UNUSUALLY HIGH
Heat Wave
$34,918
Score: 84.8
UNUSUALLY HIGH
Lightning
$10,291
Score: 86.7
Strong Wind
$7,274
Score: 63.8
Hail
$3,603
Score: 62.0
Earthquake
$2,598
Score: 27.7
Winter Weather
$775
Score: 52.7
Ice Storm
$76
Score: 3.2
Wildfire
$64
Score: 50.5
Landslide
$1
Score: 54.1

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🌀High Investment

Hurricane Mitigation

Install permanent hurricane shutters or upgrade to impact-resistant windows.

Risk Score: 97.9
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.7
🌪️High Investment

Tornado Mitigation

Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.

Risk Score: 89.1
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 97.4
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 78.2
☀️Low Investment

Heat Wave Mitigation

Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.

Risk Score: 84.8
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 86.7
💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 63.8
🧊Medium Investment

Hail Mitigation

Replace roof with Class 4 impact-resistant shingles to significantly lower insurance premiums.

Risk Score: 62.0
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 52.7
🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 50.5
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 54.1

Sources and Methodology

Spatial Climate Risk Modeling

The Expected Annual Loss (EAL) and hazard risk scores are derived from the FEMA NRI zip code dataset using a population-weighted spatial join. Because Zip Codes and Census Tracts do not share perfectly aligned boundaries, we utilize US Census Block Group population centroids to identify where residents actually live.

Financial & Insurance Metrics

The pysical resilence score is calculated by synthesizing Expected Annual Loss (EAL) against the total building replacement value within a jurisdiction. This creates a "Loss Ratio" that measures physical resilience. We supplement this with ZIP-code level data from the U.S. Treasury's Federal Insurance Office (FIO), monitoring trends in premium growth, loss ratios, and policy non-renewals to identify emerging "Insurance Deserts."

Primary Data Sources

Nearby Cities

Bayou BlueBayou Country ClubChackbayGrayLafourche Crossing

Zip Codes in Labadieville

7030170372