The unusually heavy rains across south Louisiana this month have been a timely reminder of the risks of flooding — and the need for homeowners to purchase flood insurance.

Louisiana Commissioner of Insurance Jim Donelon has consistently urged Louisiana residents to buy flood insurance, suggesting that all homeowners secure such policies.

Even homeowners who consider themselves at low risk for flooding should buy policies, Donelon has often said.

“Approximately 35 percent of all flood insurance claims come from low-risk flood zones but only 31 percent of Louisiana residents have flood insurance,” Donelon said last year. “Your insurance agent can assist you in obtaining a flood insurance policy. Flood insurance is the best insurance buy a property owner can make. Every property owner in Louisiana should have it.”

We urge Louisiana residents to take Donelon’s advice. Thanks to federal support, flood insurance is relatively inexpensive, and it can make a big difference when homeowners find themselves facing the unthinkable — a flooded house.