The classification of Lobelia plants as annuals or perennials in the United States is not a simple binary answer. It depends heavily on the specific species and, crucially, its cold hardiness relative to the USDA Plant Hardiness Zone in which it is grown. From a botanical perspective, many Lobelia species are technically herbaceous perennials, but their survival through winter is the defining factor for how they are treated in American gardens.
Several Lobelia species are reliably perennial in much of the US. The most prominent is Lobelia cardinalis, commonly known as Cardinal Flower. This native plant thrives in moist soils and is winter hardy from USDA zones 3 through 9. It dies back completely to the ground each winter and re-emerges from its crown and root system in the spring. Another native perennial is Lobelia siphilitica (Great Blue Lobelia), hardy in zones 4-8. These plants possess the necessary genetic adaptations to survive freezing temperatures and enter a period of dormancy, making them true perennials in their appropriate hardiness ranges.
The most common garden Lobelia, Lobelia erinus, is the source of much confusion. Botanically, this species is a tender perennial. It is native to South Africa and lacks the genetic hardiness to survive any frost. Its root and crown tissues are damaged and killed by freezing temperatures. In the warmest parts of the US, specifically USDA zones 10-11, it can potentially survive as a short-lived perennial because winters remain frost-free. However, throughout the vast majority of the country, where winter temperatures drop below freezing, Lobelia erinus will not survive outdoors. Therefore, it is almost universally planted, enjoyed for a single season, and then replaced the following year, fulfilling the horticultural role of an annual.
The USDA Hardiness Zone map is the critical tool for understanding this classification. A plant's perennial status is contingent on its ability to withstand the average minimum winter temperatures of a given zone. A Lobelia species that is a perennial in zone 7 may be killed by the colder winters of zone 5. Likewise, a plant like Lobelia erinus behaves as an annual in zone 6 but could persist for several years in the consistently warm climate of zone 10b. This climatic dependency means the same plant species can have a different life cycle classification depending on its geographical location within the US.
From a purely biological life cycle perspective, true annuals complete their entire life—seed germination, growth, flowering, and setting seed—within a single growing season and then die. Most Lobelias do not fit this strict definition; they are perennials that are not frost-tolerant. Horticulturally, however, any plant that is expected to live for only one season in a local garden is termed an "annual." This is the practical reality for Lobelia erinus in most US gardens. Its prolific flowering habit and inability to overwinter make it ideal for this purpose, providing vibrant color in borders, containers, and hanging baskets from spring until the first fall frost kills it.