Valverda Plantation House · Photo: Z28scrambler · CC BY-SA 3.0On FEMA’s figures, Livonia faces less hazard damage per building than 66% of U.S. towns, led by hurricanes
On FEMA’s National Risk Index, Livonia gets a B+ for hazard risk: lower expected damage per building than 66% of U.S. towns. Most of that expected damage is hurricanes (47%), then river and rain flooding (40%). Flood insurance has paid 3 claims here since 2006.
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 Livonia 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
Tornadoes
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 Livonia’s grade
Hurricanes are 47% of the building damage FEMA expects in Livonia, and Livonia’s rate of hurricanes damage is higher than 88% of U.S. census tracts. Next is river and rain flooding at 40% (lower than 90% of U.S. census tracts).
B+ lower expected damage per building than 66% of U.S. towns (21,298).
Livonia’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $886K a year in losses across Livonia: $287K to buildings, the rest to people and crops.
Does Livonia flood? Rarely: 3 flood claims since 2006
Every paid claim on a federal flood insurance policy in Livonia, from FEMA’s records: 5.7 per 1,000 homes, more than 63% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ike1 claim · $9K
- Hurricane Gustav1 claim · $28K
Livonia isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Pointe Coupee Parish.9 federal disasters brought FEMA money to Livonia
Disasters that paid out in Livonia itself (aid to households or repair grants to the Town of Livonia), newest first, with that year’s flood claims.
- 2026Tropical Storm Arthur7 households applied for aid$9K aid approved
- 2021Hurricane Ida239 households applied for aid$96K aid approved$7K to the Town of Livonia for repairs
- 2016Severe Storms and Flooding37 households applied for aid$42K aid approved
- 2012Hurricane Isaac12 households applied for aid$4K aid approved$13K to the Town of Livonia for repairs
- 2008Hurricane Gustav364 households applied for aid$569K aid approved$89K to the Town of Livonia for repairs1 flood claim paid for it, $28K
- 2005Hurricane Rita1 households applied for aid$16K aid approved$6K to the Town of Livonia for repairs
Show all 9
- 2005Hurricane Katrina67 households applied for aid$41K aid approved$13K to the Town of Livonia for repairs
- 2004Severe Storms and Flooding24 households applied for aid$29K aid approved
- 2002Hurricane Lili$3K to the Town of Livonia for repairs
Pointe Coupee Parish has had 34 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then floods.
Old photos of Livonia after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Livonia archive →Get ready for what Livonia 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- 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 Livonia
Is Livonia at risk for natural disasters?
On FEMA’s National Risk Index, Livonia has lower expected damage per building than 66% of U.S. towns: B+ for hazard risk. Most of the expected damage is hurricanes (47%) and river and rain flooding (40%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Livonia flood?
Flood insurance has paid 3 claims in Livonia since 2006, $53K in all, or 5.7 per 1,000 homes, more than 63% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Hurricane Ike (1).
Is Livonia 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 Pointe Coupee Parish, 11.2% of all homes carry federal flood insurance.
How much is flood insurance in Livonia?
FEMA’s Community Rating System list shows no discount for Livonia’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 Livonia?
By FEMA money that reached Livonia, Hurricane Gustav (2008): 364 households applied for aid, $569K approved, and $89K to the Town of Livonia for repairs. By flood claims, Hurricane Ike: 1 paid, $9K.
Is Livonia at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (47%), and Livonia’s rate for it is higher than 88% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Livonia.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Livonia’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.