El Niño household prep

Louisiana: 2026-27 El Niño preparation

Last reviewed: Nov 2, 2026. We re-check this page against official sources every month until March 2027. Peak risk window: Dec-Mar. Main hazard: flood.

In an emergency, or if life is at risk, call 911. Follow evacuation orders and instructions from local officials and the National Weather Service. They override this checklist.

Download the printable checklist (PDF)

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Top 10 actions

  1. Tornado warnings indicate imminent danger; mobile homes and tents are unsafe shelters
    When: plan now; act immediately on a warning · Est. cost: free · source 1, source 2 (Oct 2026)
  2. Identify flood-cover gaps before a loss
    When: now; a new flood policy usually does not start for 30 days, so do not wait for a storm · Est. cost: free · source (Oct 2026)
  3. Assistance needs advance planning; Medical Special Needs Shelters have eligibility criteria and require a caregiver
    When: contact now, before an emergency · Est. cost: free · source 1, source 2 (Oct 2026)
  4. State alert registration
    Est. cost: free · source (Oct 2026)
  5. Most homeowners and renters policies exclude flood damage; waiting until a storm approaches can leave a coverage gap
    Quantity (family of 4): 1 appropriate policy
    When: now; a policy bought today normally takes effect about 30 days later (confirm the exact date with the agent) · Est. cost: varies by risk · source 1, source 2 (Nov 2026)
  6. NFIP reauthorization status
    Key date: NFIP authority runs to Dec 11, 2026. If it lapses, FEMA stops selling and renewing policies but can still pay valid claims. source
    When: now: buy a new policy or renew on time · Est. cost: free · source (Sep 2026)
  7. Ready.gov: know your risk for floods using FEMA's Flood Map Service Center, but flooding does not follow lines on a map; where it rains it can flood
    Est. cost: free · source (Oct 2026)
  8. NWS: a Tornado Watch means tornadoes are possible in and near the area, so review plans and check your safe room; a Tornado Warning means a tornado has been sighted or indicated by radar, so move to an interior room on the lowest floor of a sturdy building and avoid windows; from a mobile home, vehicle or outdoors, move to the closest substantial shelter
    Est. cost: free · source (Oct 2026)
  9. Ready.gov: be familiar with alternate routes; choose destinations in different directions; leave early enough to avoid being trapped by severe weather; do not take shortcuts
    Quantity (family of 4): 1 household route plan
    Est. cost: free · source (Nov 2026)
  10. Ready.gov: discuss how people in your network can assist each other
    Quantity (family of 4): 1 neighbor check-in plan
    Est. cost: free · source (Nov 2026)

Official live tools and local help

Water and food

Power, heat and light

Flood and storm protection

Home preparation

Documents

Children

Older, disabled and medical needs

Pets

Alerts and communication

Money and insurance

Local help

Plain-English explainers

Guides