BATON ROUGE, La. — Every home is vulnerable to flooding. Just an inch of water can cause thousands of dollars’ worth of damage.More than half of the dwellings damaged by Louisiana’s August floods were located in moderate- and low-risk areas.Floods can happen anywhere and anytime. A National Flood Insurance Program (NFIP) policy protects valuable assets and helps pay for recovery.Properties in moderate- and low-risk areas account for more than 20 percent of the country’s NFIP claims and receive a third of flood-related federal disaster assistance.Flood-related events have historically affected Louisiana but...