Photo: Z28scrambler · CC BY-SA 3.0More hazard damage per building is expected in Church Point than in 95% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Church Point gets a D for hazard risk: higher expected damage per building than 95% of U.S. towns, #96 of 162 in Louisiana. Most of that expected damage is hurricanes (53%), then river and rain flooding (42%). Flood insurance has paid 64 claims here since 1982.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What stands out about Church Point’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Church Point faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Church Point’s grade
Hurricanes are 53% of the building damage FEMA expects in Church Point, and Church Point’s rate of hurricanes damage is in the top 5% of U.S. census tracts. Next is river and rain flooding at 42% (higher than 87% of U.S. census tracts).
D #96 of 162 in Louisiana; higher expected damage per building than 95% of U.S. towns (21,298).
Church Point’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Louisiana town has higher expected damage than 92% of U.S. towns; within the state, Church Point has more expected damage per building than 59% of Louisiana towns.
In dollars, FEMA expects about $3.0M a year in losses across Church Point: $2.5M to buildings, the rest to people and crops.
Does Church Point flood? Sometimes: 64 flood claims since 1982
Every paid claim on a federal flood insurance policy in Church Point, from FEMA’s records: 38.8 per 1,000 homes, more than 91% of the 13,809 U.S. towns with a flood insurance record.
- The Mid-summer severe storms15 claims · $648K
- Tropical Storm Allison3 claims · $27K
- Hurricane Juan1 claim · $2K
Church Point isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Acadia Parish.12 federal disasters brought FEMA money to Church Point
Disasters that paid out in Church Point itself (aid to households or repair grants to the Town of Church Point), newest first, with that year’s flood claims.
- 2026Tropical Storm Arthur10 households applied for aid$22K aid approved
- 2020Hurricane Delta597 households applied for aid$649K aid approved
- 2020Hurricane Laura439 households applied for aid$377K aid approved1 flood claim paid for it, $15K
- 2016Severe Storms and Flooding645 households applied for aid$1.4M aid approved$128K to the Town of Church Point for repairs16 flood claims paid that year
- 2013Severe Storms and Flooding$29K to the Town of Church Point for repairs12 flood claims paid that year
- 2008Hurricane Ike114 households applied for aid$108K aid approved
Show all 12
- 2008Hurricane Gustav1,172 households applied for aid$1.0M aid approved$148K to the Town of Church Point for repairs
- 2006Severe Storms and Flooding11 households applied for aid$25K aid approved5 flood claims paid that year
- 2005Hurricane Rita1,229 households applied for aid$842K aid approved$73K to the Town of Church Point for repairs
- 2005Hurricane Katrina42 households applied for aid$62K aid approved$9K to the Town of Church Point for repairs
- 2004Severe Storms and Flooding116 households applied for aid$147K aid approved3 flood claims paid that year
- 2002Hurricane Lili$217K to the Town of Church Point for repairs1 flood claim paid that year
Acadia Parish has had 31 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms.
Old photos of Church Point after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Church Point archive →Get ready for what Church Point faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Church Point
Is Church Point at risk for natural disasters?
On FEMA’s National Risk Index, Church Point has higher expected damage per building than 95% of U.S. towns: D for hazard risk, #96 of 162 in Louisiana. Most of the expected damage is hurricanes (53%) and river and rain flooding (42%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Church Point flood?
Flood insurance has paid 64 claims in Church Point since 1982, $1.7M in all, or 38.8 per 1,000 homes, more than 91% of U.S. towns with a flood insurance record. 9 properties have flooded more than once. The most claims came from Mid-summer severe storms (15).
Is Church Point in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Acadia Parish, 25% of homes in mapped flood zones carry federal flood insurance, and 9.2% of all homes do.
How much is flood insurance in Church Point?
FEMA’s Community Rating System list shows no discount for Church Point’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Church Point?
By FEMA money that reached Church Point, Severe Storms and Flooding (2016): 645 households applied for aid, $1.4M approved, and $128K to the Town of Church Point for repairs. By flood claims, Mid-summer severe storms: 15 paid, $648K.
Is Church Point at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (53%), and Church Point’s rate for it is in the top 5% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Church Point.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Church Point’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.