Flood insurance in Louisiana: cost by ZIP code and county
Louisiana counts 324,691 single-family flood policies; the median one cost $1,087 on July 31, 2026, assessment and fees included.
Median single-family flood bill, Louisiana
$1,087
324,691 policies in force on July 31, 2026, premium and fees included.
| Median full-risk price, same policies | $1,493 |
| Policies still below their full-risk price | 55 % |
| Median paid in August 2023 | $786 |
| Increase left from the median | 3 renewals at 18 % |
| Next five bills, added up | $7,234 |
| Median claim paid, 2016 to 2025 (50,842 claims) | $59,219 |
Compiled by Radif Partners · Where the numbers come from · 408 ZIP codes and 64 counties of Louisiana in FEMA's tables · not a quote
On July 31, 2026, the 324,691 single-family flood policies written through the federal program in Louisiana had a median yearly cost of $1,087, counting premium, Reserve Fund Assessment, HFIAA surcharge and the Federal Policy Fee. Priced at full risk, the same policies would have a median of $1,493, and 55 % of them still pay less than that full-risk premium. The state is split almost evenly between A zones (160,859 policies, median $1,220) and X zones (162,047, median $1,082), a mix found in few other states. Parish averages hide wide contrasts: in Jefferson and Orleans parishes most owners remain on the yearly glide path, while in East Baton Rouge Parish the median bill has already caught up with its full-risk price. From the statewide median, a main home capped at 18 % a year needs about 3 more renewals to reach full risk. Over 2016 to 2025, the program paid 50,842 single-family claims here, with a median of $59,219.
The rain of August 2016 still dominates the claims file
Hurricanes get the headlines, yet the single costliest event in the Louisiana records of 2016 to 2025 was a rain event. The mid-summer severe storms of 2016 produced 24,974 paid single-family claims worth $2,239,203,504, roughly 49 % of every paid claim in the state over the decade. The National Weather Service summary of the August 11 to 13 flood describes a slow-moving low that brought 20 to 30 inches of rain to parts of southeast Louisiana, with the most widespread flooding in East Baton Rouge, Livingston, Ascension and Tangipahoa parishes.
The parish figures carry the mark. East Baton Rouge Parish logged 10,942 paid claims with a median of $82,332, and Livingston Parish 7,025 with a median of $83,700. Orleans Parish, by comparison, had a median paid claim of $13,334.
A median Louisiana claim set against one year of premium
Median single-family claim paid in Louisiana, 2016 to 2025
$59,219
| Years of the bill entered that one median claim equals | 55 |
| Median claim, whole country | $42,494 |
| Average claim, whole country | $70,978 |
Ida and the coastal parishes
Hurricane Ida (2021) ranks second, with 8,879 paid claims and $593,221,636 paid. FEMA's 2023 tables put 85 % of Louisiana single-family policies in reach of storm surge, against 61 % nationwide. Plaquemines Parish shows the widest distance between what owners paid in 2023 ($795 at the median) and the full-risk figure ($4,752).
Only 1,781 policies sit in V zones, the coastal high hazard areas; their median of $2,089 is the highest of any zone type in the state, and their full-risk median reaches $3,651.
Two speeds of increase across the metro areas
Jefferson Parish has the largest book in the state, 69,517 policies, and 62 % of them are still below full risk; its median bill of $1,186 has a full-risk counterpart of $1,913. St. Tammany Parish, on Lake Pontchartrain at Mandeville, looks similar with 64 % capped. In East Baton Rouge, only 24 % remain capped and the median bill ($640) is level with full risk, so the cap has little left to phase in there.
Renewals left at the Jefferson Parish medians
Renewals before your bill reaches the full-risk price
4 renewals
| Renewal 1 (capped) | $1,387 |
| Renewal 2 (capped) | $1,623 |
| Renewal 3 (capped) | $1,902 |
| Renewal 4 | $1,913 |
A sale does not reset these figures: a buyer can take over the seller's policy and its discount. The guide on buying in a flood zone explains the transfer, and the zone guide what A, V and X mean on a parish map. The parish table further down lists every parish with enough policies to publish.
The Louisiana counties with the most policies
| County | Policies | Median bill | Full-risk median | Still below full risk | Renewals left at 18 % | Median bill, August 2023 | Median claim 2016-2025 |
|---|---|---|---|---|---|---|---|
| Jefferson Parish | 69,517 | $1,186 | $1,913 | 62 % | 4 | $797 | $20,181 |
| Orleans Parish | 42,442 | $1,119 | $1,361 | 58 % | 2 | $797 | $13,334 |
| St. Tammany Parish | 36,079 | $1,227 | $1,752 | 64 % | 3 | $799 | $20,913 |
| East Baton Rouge Parish | 33,582 | $640 | $643 | 24 % | 1 | $630 | $82,332 |
| Lafayette Parish | 15,435 | $1,036 | $1,107 | 48 % | 1 | $734 | $57,249 |
| Livingston Parish | 12,706 | $1,234 | $1,656 | 50 % | 2 | $848 | $83,700 |
| Calcasieu Parish | 10,995 | $1,265 | $2,432 | 75 % | 5 | $799 | $33,612 |
| Ascension Parish | 12,535 | $897 | $951 | 33 % | 1 | $689 | $73,854 |
Full-risk prices of Louisiana homes, band by band
| Full risk-based price a year | Policies | Share | Median rebuild value |
|---|---|---|---|
| $0 to $1,000 | 111,209 | 28.0 % | $373,866 |
| $1,000 to $2,000 | 151,553 | 38.1 % | $414,388 |
| $2,000 to $3,000 | 68,673 | 17.3 % | $453,984 |
| $3,000 to $4,000 | 33,391 | 8.4 % | $463,536 |
| $4,000 to $5,000 | 16,905 | 4.3 % | $496,893 |
| $5,000 or more | 16,093 | 4.0 % |
The floods that paid the most Louisiana claims since 2016
| Event (FEMA name) | Year | Paid claims | Paid in total |
|---|---|---|---|
| Mid-summer severe storms | 2016 | 24,974 | $2,239,203,504 |
| Hurricane Ida | 2021 | 8,879 | $593,221,636 |
| Late winter severe storms | 2016 | 3,827 | $208,632,684 |