NEW ORLEANS (WVUE) – Amid increasing flood insurance costs, Louisiana’s U.S. senators say they are continuing to push for reforms to the National Flood Insurance Program.

Property owners are seeing higher flood coverage premiums, on top of soaring property insurance costs.

Katherine Drezek is a Louisiana homeowner who said she has seen her flood insurance premium rise in recent years.

“Yes, I think all the insurance has gone up, not only flood insurance. Fire insurance, just the house insurance period, has gone up,” she said.

Still, Drezek has not considered dropping her flood coverage.

“No, I live too close to the lake not to have flood insurance. I mean we live in Louisiana, we need flood insurance,” Drezek said.

With Congress in recess, Republican senators Bill Cassidy and John Kennedy were speaking Tuesday (Aug. 20) in the New Orleans area.

Cassidy toured Wrstbnd, a company in the Elmwood section of Jefferson Parish, after he spoke to the River Region Chamber of Commerce. And on the north shore, Kennedy addressed the St. Tammany Chamber.

“We need to fix the flood insurance program. The first thing we need to do is expand it,” Kennedy said.

Only a fraction of the properties in the U.S. are covered through the National Flood Insurance Program. According to FEMA, the NFIP protects more than $1.28 trillion in assets through nearly 5 million policies.

“We’ve got about 5 million people across America that’s got flood insurance. That’s not enough,” Kennedy said. “That’s not enough, because the more people you have, the more risk you can spread.”

Fox 8 asked Cassidy if there should be an effort to get more properties covered by flood insurance.

“There should be,” he said. “Banks are supposed to require it if homes are at risk. One thing we know is that more homes are at risk. So, for example, more people are building next to the coast. People want to live next to the water, and so that almost inherently puts them at risk.”

But he added that high costs are keeping some property owners from either acquiring or keeping flood insurance.

“On the other hand, if the premium is so expensive people can’t afford it, it drops off,” Cassidy said.

Cassidy said he wants Congress to mandate FEMA to take into account more levees when determining flood insurance rates.

“Right now, if a levee works but it’s not federally recognized, FEMA does not include that levee in their kind of risk assessment,” Cassidy said. “But the levee works. People can show flood water on one side, dry homes on the other. So, we would require FEMA to begin taking into account these non-federally recognized levees which work.”

Kennedy said, “I’m for creating some sort of national catastrophe fund that includes flood, that includes fire, earthquake. That’s harder to do than it sounds, but you get 15, 20, 30 and 40 million people in a fund, you can spread the risk better than you can with only five million.”

Under Risk Rating 2.0, the methodology FEMA has been using in recent years to determine premiums, rates can legally be increased up to 18% a year.

“This algorithm apparently can look into the future and tell whether your home is going to flood 45 years from now. I don’t believe it. I think it was an excuse to raise premiums,” Kennedy said.

With U.S. House members and some senators up for reelection in November, pundits say Congress will hesitate to pass consequential legislation before the end of the year.

On the prospects of getting NFIP reforms approved this year, Cassidy said, “I can’t tell you that it’s going to happen, but I can tell you that we’re in active negotiation as to how we could help lower-income Americans afford their flood insurance.”

Kennedy concedes that reaching a consensus on how to change the program will be difficult.

“We need to fix it,” he said. “But it’s not easy to do, because you’ve got a lot of people who, first, don’t care. They’re in a state that’s never flooded. And No. 2, we’ve got a lot of different points of view about how to fix it.”

Drezek said she has a message for Congress.

“Lower it. Please, please, please lower the insurance,” she said.

Kennedy said Congress will not let the program expire.

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LAFAYETTE, La. (KPEL News) – After an excruciatingly hot summer, some folks in Louisiana are hoping for a cooler winter to try and take the edge off. Some (especially students throughout the state) might even be hoping for some snow days this year.

However, the National Oceanic Atmospheric Administration (NOAA) long-range forecast does not offer much to anyone hoping for a lot of cold and ice.

NOAA released its forecast last week, and it looks like the warm summer months will lead to warmer-than-usual winter months and fewer chances for frozen weather.

“The September-October-November (SON) 2024 temperature outlook favors above-normal temperatures across a majority of the contiguous U.S. with the largest probabilities (exceeding 60%) forecast for New England and parts of the Southwest,” NOAA said in an update issued on August 15. “Increased below-normal temperature probabilities are forecast for southwestern Alaska, while above-normal temperatures are more likely across northern Alaska.”

On top of that, NOAA says that “La Niña is favored to develop during September-October-November,” with a roughly 70 percent chance of that forecast happening.

How Cold Will It Be?

We don’t have exact temperatures, but NOAA is predicting that temperatures will be higher than average this winter across the southwest and along the southern border.

In other words, you might not need the heavy winterwear quite so much this year.

And if you’re looking for a snow day, there’s a chance you’ll be disappointed.

According to the NOAA forecast, the chances of precipitation across the southwest and even across the southern part of the country into southern California will be experiencing less precipitation than normal – likely due to the impacts of the La Niña system expected to develop.

The fall forecast from The Old Farmer’s Almanac, which is renowned for its long-range forecasts, cites “near-normal” temperatures for Louisiana

This means that temperatures will be in the lower 70s by the time we get to November, which will be a significant cool-off from September (upper 80s) and October (mid-70s).

But after that comes winter, and the first frost of the season is expected to hit Louisiana around the time November is ending and December is coming around.

While that first frost is comforting, it doesn’t mean a very icy winter is in the cards.

READ MORE: Farmer’s Almanac Predicts the First Frost Dates of 2024 for Louisiana

Here’s the list of first frost dates for Louisiana, so you can see how quickly we’ll start getting that cooler weather.

• Lafayette, La. – November 26, 2024

• Alexandria, La. – November 18, 2024

• Baton Rouge, La. – November 17, 2024

• Lake Charles, La. – November 28, 2024

• Monroe, La. – November 8, 2024

• Natchitoches, La. – November 21, 2024

• New Orleans, La. – December 19, 2024

• Ruston, La. – November 8, 2024

• Shreveport, La. – November 16, 2024