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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

Heart of Louisiana: Civilian Conservation Corps

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Heart of Louisiana: Civilian Conservation Corps


CALVIN, La. (WVUE) – A small community in north-central Louisiana is working to preserve an important piece of its history.

During the Great Depression, the Civilian Conservation Corps put young men to work replanting by hand the state’s only national forest.

The tiny community of Calvin, tucked away in the resulting pine forest, holds only a few other remaining crumbling clues of that work, as Dave McNamara finds in the Heart of Louisiana.

For more, visit the Heart of Louisiana archive here.

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Copyright 2026 WVUE. All rights reserved.



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Louisiana drivers soon will say goodbye to inspection stickers

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Louisiana drivers soon will say goodbye to inspection stickers


BATON ROUGE, La. (Gray Louisiana) – Louisiana drivers will soon no longer need annual vehicle safety inspection stickers for most personal vehicles.

Gov. Jeff Landry signed House Bill 1085 into law Tuesday morning, ending the state’s mandatory vehicle safety inspection sticker program for most personal vehicles. The bill was authored by Rep. Larry Bagley, R-Stonewall, who has worked for years to pass the change.

The law replaces the current inspection sticker, often called a brake tag, with a $6 QR code sticker tied to the vehicle’s registration.

Gov. Jeff Landry and Rep. Larry Bagley(Office of Governor Jeff Landry)

Fifty-nine of Louisiana’s 64 parishes will abolish the inspection stickers and use QR codes instead. Drivers in East Baton Rouge, West Baton Rouge, Livingston, Iberville, and Ascension parishes would still need emissions testing under federal law.

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The changes are set to take effect Jan. 1, 2027.

There will be a grace period from June 30 until Jan. 1, 2027. During that time, law enforcement will not issue citations for failing to display an inspection sticker.

(KALB)

Supporters of the bill have argued the inspection process is outdated and inconvenient for drivers. Bagley previously said the QR code would include limited vehicle information, such as the VIN, and would be available to law enforcement through special equipment.

The change will not apply to every vehicle. Some commercial vehicles, school buses and certain farm vehicles would still be subject to safety inspections. Some local governments would also still be able to require local inspections.

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Copyright 2026 Gray Media. All rights reserved.

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Louisiana Fortify Homes Program opens registration for $80 million roof grant initiative

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Louisiana Fortify Homes Program opens registration for  million roof grant initiative


LAFAYETTE PARISH (SCOTT) — As hurricane season officially begins, Louisiana homeowners have a new opportunity to strengthen their homes against severe weather through the Louisiana Fortify Homes Program, an $80 million initiative offering grants for hurricane-resistant roof upgrades.

The program is providing 3,000 grants to eligible homeowners seeking to replace traditional roofs with FORTIFIED roofs, a roofing system designed to better withstand high winds and heavy rain during hurricanes and severe storms.

State officials say the effort is intended to reduce storm damage while also helping homeowners lower their insurance premiums.

“The fortified standard itself has been proven, thanks to Alabama’s work with their program, which was tested by Hurricane Sally several years ago,” said John Ford with the Louisiana Department of Insurance. “So we have a lot of confidence in the standard.”

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Homeowners can now enter a lottery for a chance to receive a grant worth up to $10,000 toward the cost of a FORTIFIED roof installation.

Ford said the program has already produced positive results across the state.

“We get great feedback. People are getting stronger roofs, and they’re seeing real reductions on their insurance premiums We’re very positive with where the program’s gone, and we feel like it’s only going to get bigger from here.”

The program requires additional oversight during the roofing process, helping ensure installations meet strict standards.

“Traditional roofing scenario, you have a contractor and a homeowner, but nobody’s verifying what that contractor’s doing,” said Jason Lopez, a certified Louisiana Fortify Homes contractor with Acadiana Roofing in Scott. “That’s been a problem with some of these hurricanes that come through. People have gotten some shoddy roofs.”

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He added that the upgraded roofing system provides significantly greater protection than traditional roofs.

“A fortified roof is waterproof before they put the shingles on,” Lopez said. “A lot of your damage comes from when a hurricane or high winds come through, tears shingles off, and water goes straight into the house.”

Lopez added that Louisiana insurance companies are required to offer discounts for homes that receive a FORTIFIED designation.

“To me, it doesn’t make sense to put a traditional roof on,” he said. “If you live south of I-10, you should get a fortified roof.”

The Louisiana Department of Insurance expanded eligibility for the program this year to include Acadia, Jefferson Davis and Lafayette parishes, along with previously excluded portions of Iberia, St. Martin and Vermilion parishes.

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Registration for the grant lottery is now open through June 19 at 5:00 p.m.

A complete list of eligibility requirements and application information is available here.





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