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Should Shreveport homeowners buy earthquake insurance in Louisiana?

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Should Shreveport homeowners buy earthquake insurance in Louisiana?


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  • A 4.9 magnitude earthquake, the strongest in Louisiana’s onshore history, struck near Shreveport.
  • Standard homeowner’s insurance policies typically do not cover earthquake damage.
  • Property owners can purchase add-on earthquake coverage, which is generally inexpensive in low-risk areas like Louisiana.
  • Despite the low cost, the deductible for earthquake insurance is usually high.

Thursday’s earthquake that shook furniture and rattled pipes in the Shreveport region may have some property owners wondering whether they should consider buying insurance to cover them from potential stronger movement in the future.

The 4.9 magnitude earthquake that struck just north of Coushatta at 5:30 a.m. March 5 was the strongest onshore event in Louisiana history.

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No structural damage has been reported from Thursday’s earthquake so far, but the strength of the movement may have been enough to raise concern.

“If people are concerned they should call their insurance agent and explore pricing and options,” Louisiana Insurance Commissioner Tim Temple said in an interview with USA Today Network.

“It’s not an issue that has come up often in Louisiana, but if coverage can alleviate anxiety and risk it’s absolutely something homeowners and property owners should consult their agent about,” he said.

Earth movement or subsidence insurance is generally excluded from homeowners’ policies, as is flood insurance, but property owners can secure the coverage through their insurers as an add-on, called an endorsement.

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Eugene Montgomery, owner of Community Financial Insurance Center in northern Louisiana, said a subsidence endorsement to cover earthquake damage would generally be inexpensive in Louisiana because of the low risk.

“The coverage itself is inexpensive, but the deductible would be high,” Montgomery told USA Today Network.

That’s the case for one Shreveport homeowner who asked not to be identified. The homeowner secured a subsidence endorsement following Thursday’s earthquake that cost $120 per year after discounts with a 10% deductible.

Republican state Sen. Adam Bass, who also operates an Allstate agency in Bossier, said most people won’t buy an add-on that’s not required by their mortgage holders no matter how inexpensive it is.

Bass said he hasn’t had any inquiries about earth movement insurance during his career.

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But Montgomery said he remembers a temporary spike in those policies in 1990 when climatologist Iben Brown predicted a major earthquake would strike the New Madrid Fault in Missouri on Dec. 3 of that year, a forecast that flopped.

“It really created a little bit of a panic,” Montgomery said. “Everybody wanted insurance for a short period of time.”

Montgomery doesn’t expect a similar run on earthquake after Thursday’s event, but said he won’t be surprised if some level of interest increases.

“When people can actually feel the earth moving it gets their attention,” he said.

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Greg Hilburn covers state politics for the USA TODAY Network of Louisiana. Follow him on Twitter @GregHilburn1.



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Louisiana National Guard troops return to Washington for Trump task force

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Louisiana National Guard troops return to Washington for Trump task force


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  • Louisiana National Guard soldiers have been deployed to Washington, D.C., for a second time.
  • The deployment is part of a crime emergency declared by President Trump nine months ago.
  • About 125 soldiers will assist local police and the D.C. National Guard in a support role.
  • The soldiers will patrol high-traffic areas but will not have the authority to make arrests.

Louisiana National Guard soldiers have returned to Washington, D.C., on a second deployment as part of President Trump’s continued crackdown on crime in the nation’s capital.

Trump declared a crime emergency in Washington nine months ago to trigger deployments of states’ National Guard troops to the capital.

Republican Gov. Jeff Landry first sent a contingent of Louisiana soldiers to Washington in August 2025. Lt. Col. Noel Collins told USA Today Network on May 13 that all of those soldiers returned to Louisiana by the end of December.

Landry’s latest deployment of Louisiana soldiers includes about 125 who began assisting other soldiers and local police May 12.

Louisiana’s soldiers won’t make arrests, but they will patrol high-traffic areas while playing a supporting role for the D.C. National Guard and local police.

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The White House has said its capital crime task force has made more than 12,000 arrests since August and seized thousands of illegal guns.

Greg Hilburn covers state politics for the USA TODAY Network of Louisiana. Follow him on Twitter @GregHilburn1.



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Louisiana students make biggest gains in nation

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Louisiana students make biggest gains in nation


BATON ROUGE, La. (WAFB) – A new report shows Louisiana students are making some of the biggest gains in the country, with state education leaders celebrating the progress.

The newest national report card now ranks Louisiana 32nd in the nation, a jump from 49th in 2019.

“Louisiana is no longer about Louisiana simply believes, but for K-12 education, Louisiana achieves,” said state Superintendent Dr. Cade Brumley.

The jump comes mainly from improved reading and math scores, making Louisiana the only state that has returned to pre-pandemic levels.

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Gov. Jeff Landry said the achievement comes at an opportune time for the generation to capitalize on economic developments coming to the state.

“These young men and women are going to get an opportunity we have never had. These kids get to grow up in a new Louisiana at a time when they are getting the education they need,” Landry said.

Brumley said the focus is now on attendance, more tutoring, higher teacher pay, and job readiness.

“Tutoring for every kid to get a little extra help if they need it; differentiated pay so we can target pay in a very precise way to those teachers doing great work for kids; and in the elevation in career and technical education,” Brumley said.

While leaders are celebrating, Brumley said the real work is keeping that momentum.

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“Louisiana doesn’t have to be last. Indeed, we can be number one. We will continue to see great results,” Brumley said.

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As Louisiana’s Senate election nears, carbon capture becomes a big issue. Here’s what to know.

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As Louisiana’s Senate election nears, carbon capture becomes a big issue. Here’s what to know.


In a campaign that has focused more on President Donald Trump than the issues, government regulation of carbon capture and sequestration has emerged as a key fault line in Saturday’s Senate primary.

State Treasurer John Fleming has made his forceful opposition to the new process a key driver of his campaign, saying it threatens to poison waterways and strip landowners of property rights.

That has made him the target of attack ads broadcast by two outside groups associated with Gov. Jeff Landry and financed at least in part by oil and gas companies that want to inject the carbon dioxide deep in underground wells.

Fleming has counterattacked by saying that U.S. Rep. Julia Letlow, who has Landry’s support, actually supports the industry because her fiancée, Kevin Ainsworth, is a major lobbyist for carbon capture and sequestration companies in Baton Rouge. Letlow has called that accusation “a low blow.”

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Letlow has said she favors letting local communities decide whether to allow the process.

“If a project is not safe, if it’s not transparent and if it does not have community buy-in, it should not move forward,” she said in a radio debate on May 5.

But in a separate interview, Letlow refused to be pinned down on how a community would decide to give a green light.

U.S. Sen. Bill Cassidy on Tuesday said he agrees with Fleming that oil and gas companies should not be able to exercise eminent domain to build pipelines and storage facilities without landowners’ approval.

Cassidy also said he supports the moratorium that Landry has imposed on new carbon capture and sequestration projects. Letlow also backs that moratorium.

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Cassidy said allowing parish governments to block carbon capture and sequestration projects “is an acceptable option.”

Where the race stands

Fleming and Letlow are trying to unseat Cassidy this year in the Republican election campaign. Saturday is the primary, where the top two Republican finishers, if no one wins above 50%, advance to a runoff on June 27.

All three candidates are predicting they will win one of the two spots in the June 27 runoff. Polls indicate that Letlow has the best chance.

But political analysts note that the new semi-closed primary election system and recent seismic events – including a U.S. Supreme Court decision that nullified Louisiana’s congressional map and Landry then canceling the House elections – make prognosticating Saturday’s results a challenge.

Three Democrats are vying in their own primary to face the Republican Senate nominee in November. They are Nick Albares, a policy analyst in New Orleans; Gary Crockett, a business owner in New Orleans; and Jamie Davis, a soybean, cotton and corn farmer in northeast Louisiana.

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Albares said on Tuesday that he sides with Fleming and Cassidy in not allowing companies to use eminent domain to build carbon capture and sequestration projects on private land.

Davis called for “binding consent from the people who live there, not a public comment period that gets ignored” before any injection wells are permitted.

Crockett said, “I’m totally against it.”

Trump dominates election

Trump has been a dominant topic in the campaign because each of the three Republicans is claiming to be the candidate best aligned with the president. Letlow has his endorsement.

The three Democrats have been scathing in their criticism of Trump.

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In a weekly call with reporters Tuesday, Cassidy announced $150 million in additional federal money to build a replacement bridge on Interstate 10 over the Calcasieu River in Lake Charles.

In making the announcement, Cassidy slipped in a story about how he was riding on the ancient bridge with Trump in the presidential limousine nicknamed “the Beast” to an event in Hackberry in Cameron Parish in 2019. As they reached the top, Cassidy said, Trump wondered aloud, “Is this bridge going to hold us”?

Cassidy said the new bridge would be able to hold the Beast and is an example of how he delivers for Louisiana. He said the money came from the Infrastructure and Investment Jobs Act, a President Joe Biden-initiative that he supported, unlike the rest of Louisiana’s Republican delegation.

Fleming, meanwhile, speaking to a Republican luncheon Tuesday in Baton Rouge, highlighted a nine-page referral to the Department of Justice by a nonprofit group that accuses Letlow of filing false campaign finance reports to the Federal Elections Commission.

The Coolidge Reagan Foundation alleged that the Letlow Victory Fund raised money for two months without reporting it and then tried to conceal this later.

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The foundation said it has filed previous complaints against Hillary Clinton and the Democratic National Committee.

“With the FEC, you have to be very careful with your paperwork,” Fleming told the crowd at the Ronald Reagan Newsmaker Luncheon.

Letlow’s campaign dismissed the allegation.

“Bill Cassidy voted to convict President Trump (on impeachment charges in 2021) and has spent over $10 million attacking Julia Letlow,” Letlow’s campaign said in a statement. “Now, in an attempt to distract from President Trump’s endorsement of Letlow, Cassidy’s allies are desperately trying to dress up routine FEC paperwork questions because they can’t defend Cassidy’s record. The Letlow campaign takes compliance seriously and has filed all required reports with the FEC.”

In recent days, Letlow has said that the defeat last week of five state senators opposed by Trump in Indiana bodes well for her campaign, since Trump wants to end Cassidy’s Senate career.

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Outspent by Cassidy and Letlow, Fleming has said he is running a grassroots campaign. One example of that, he said in an interview, is that a majority of the members of the Republican State Central Committee have requested that the committee endorse him.

Derek Babcock, the party chair, didn’t respond to a text Tuesday asking how the party’s executive committee – which actually issues the endorsement – will respond.

Attack ads target Fleming

Landry has inserted himself into the campaign by raising money for two groups associated with him – the Accountability Project and MAGA Energy – to attack Fleming. Both groups are organized in a way that doesn’t require them to disclose their donors and are headed by two of his key campaign associates, Jay Connaughton and Jason Hebert.

Landry held an event at the Governor’s Mansion on April 20 with about 15 carbon capture and sequestration executives, said someone who attended the meeting but spoke on condition of anonymity. Landry warned the group that a Fleming victory would harm their industry. The executives then heard a pitch to raise $1.5 million to defeat Fleming, according to the source.

In a brief interview, Landry acknowledged holding the meeting but wouldn’t discuss it.

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Fleming repeats his opposition to carbon capture and sequestration at every opportunity, telling the Reagan luncheon, “It’s just not good for Louisiana.”

In other appearances, Fleming has said the technology is unproven and dangerous, saying in a radio interview last month, “It’s stuffing toxic carbon dioxide in the ground and using your taxpayer money and stealing your land through private domain for profiteering.”

For a month, the Accountability Project and MAGA Energy have been attacking Fleming.

The Accountability Project has broadcast ads accusing Fleming of being a supporter of allowing illegal aliens across the Mexican border. Fleming called that a lie while speaking at the Reagan luncheon, saying he supports tough border restrictions.

MAGA Energy accuses Fleming of having voted for pro-carbon capture and sequestration bills while he served in the House. That, too, is a lie, Fleming told the Reagan crowd.

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In a new line of attack, the Accountability Project is attempting to undermine a key part of Fleming’s pro-Trump biography by saying that Fleming never served as Trump’s deputy chief of staff during his final 10 months as president in first term.

In campaign appearances, Fleming has said his office was 10 steps from the Oval Office in the West Wing, and he told the Reagan luncheon that the accusation was “an absolute lie.”



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