There is this critical breakwater dam on the Mississippi (maybe 150 miles up or so, I am not sure), thwarting nature because the natural slow of the Mississippi due to silting is now due south from that dam. Thus that dam is under tremendous pressure, which if it fails will cause the Mississippi to flow down the Atchafalaya River whipping out everything in its path, including I think Morgan City. Louisiana is a state insurance companies should avoid.
You are correct. I would wipe-out Morgan City.