More hazard damage per building is expected in Eden Isle than in 98% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Eden Isle gets a D− for hazard risk: higher expected damage per building than 98% of U.S. towns, #146 of 162 in Louisiana. Most of that expected damage is hurricanes (64%), then river and rain flooding (29%). Flood insurance has paid 485 claims here since 2002.
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 Eden Isle’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Eden Isle 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
Coastal 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 Eden Isle’s grade
Hurricanes are 64% of the building damage FEMA expects in Eden Isle, and Eden Isle’s rate of hurricanes damage is in the top 2% of U.S. census tracts. Coastal flooding adds 5%, at a rate in the top 1% of U.S. census tracts.
D− #146 of 162 in Louisiana; higher expected damage per building than 98% of U.S. towns (21,298).
Eden Isle’s residents live in 3 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, Eden Isle has more expected damage per building than 90% of Louisiana towns.
In dollars, FEMA expects about $6.8M a year in losses across Eden Isle: $5.6M to buildings, the rest to people and crops.
Does Eden Isle flood? Yes: 485 flood claims since 2002
Every paid claim on a federal flood insurance policy in Eden Isle, from FEMA’s records: 126.8 per 1,000 homes, more than 97% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Katrina440 claims · $76.3M
- Hurricane Ida23 claims · $1.7M
- Hurricane Isaac13 claims · $237K
Eden Isle isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: St. Tammany Parish.1 federal disaster brought FEMA money to Eden Isle
Disasters that paid out in Eden Isle itself (aid to households or repair grants to Eden Isle), newest first, with that year’s flood claims.
- 2021Hurricane Ida2 households applied for aid$2K aid approved23 flood claims paid for it, $1.7M
St. Tammany Parish has had 39 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then floods.
Old photos of Eden Isle after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Eden Isle archive →Get ready for what Eden Isle 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.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- 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 Eden Isle
Is Eden Isle at risk for natural disasters?
On FEMA’s National Risk Index, Eden Isle has higher expected damage per building than 98% of U.S. towns: D− for hazard risk, #146 of 162 in Louisiana. Most of the expected damage is hurricanes (64%) and river and rain flooding (29%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Eden Isle flood?
Flood insurance has paid 485 claims in Eden Isle since 2002, $79.1M in all, or 126.8 per 1,000 homes, more than 97% of U.S. towns with a flood insurance record. The most claims came from Hurricane Katrina (440).
Is Eden Isle 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 St. Tammany Parish, 40.4% of all homes carry federal flood insurance.
How much is flood insurance in Eden Isle?
FEMA’s Community Rating System list shows no discount for Eden Isle’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 Eden Isle?
By FEMA money that reached Eden Isle, Hurricane Ida (2021): 2 households applied for aid, $2K approved. By flood claims, Hurricane Katrina: 440 paid, $76.3M.
Is Eden Isle at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (64%), and Eden Isle’s rate for it is in the top 2% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Eden Isle.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Eden Isle’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.