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Flood insurance cost · Acadia Parish, LA

Flood insurance cost in Acadia Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,153 home policies in force on August 31, 2026.

Acadia Parish, LouisianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,182a year

Half of insured homes paid between $943 and $1,448. That is 6% more than the Louisiana median ($1,119). The most common flood zone for insured homes here is zone AE (42%).

$0$943 · $1,182 · $1,448$1,810
+10.5% vs Aug 31, 2025 (median $1,070)
2,153home policies in force
$1,240average cost (mean)
74%of insured homes in high-risk zones (A, V)
$150,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Acadia Parish

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$1,328$1,040–$1,566$1,367896 (42%)+6.0%
Zone A
High risk		$1,202$949–$1,576$1,291615 (29%)+8.1%
Zone AH
High risk, shallow		$603$369–$742$60088 (4%)+6.0%
Zone X
Moderate to low risk		$1,082$919–$1,250$1,082554 (26%)+16.2%

Not shown (fewer than 10 home policies): VE, AO, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Acadia Parish, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,900$1,187$1,252
2–4 unit building86$1,462$1,267
Manufactured (mobile) home166$1,010$1,094
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		20$2,421$3,251
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		153$2,203$2,761

Not shown (fewer than 10 policies): condo or apartment unit.

2,326NFIP policies in force, any building
2,326insured units (condo association policies count every unit)
47%of home policies also cover contents
$79,000median contents coverage, when bought

One year on: Acadia Parish

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force2,2862,153−5.8%
Median annual cost$1,070$1,182+10.5%
Average annual cost$1,150$1,240+7.8%
All policies in force (any building)2,4742,326−6.0%

How many homes have flood insurance?

9.2%of all homes in Acadia Parish have an NFIP policy
25.1%of homes in high-risk zones (special flood hazard area) have one
23,847residential buildings counted by FEMA
6,432of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Acadia Parish, Louisiana have filed 1,483 flood claims. 1,152 received a payment, for a total of $37.0 million (an average of $32,111 per paid claim). The year with the most claims was 2016 (639 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001980: 160 claims, 143 paid, $823,549 in total198019801982: 25 claims, 18 paid, $45,882 in total1985: 12 claims, 12 paid, $96,211 in total19901993: 30 claims, 20 paid, $82,553 in total20002001: 12 claims2002: 20 claims, 12 paid, $59,039 in total2004: 33 claims, 27 paid, $361,040 in total2005: 40 claims, 19 paid, $319,619 in total2006: 12 claims, 10 paid, $123,711 in total2008: 14 claims20102012: 23 claims, 21 paid, $484,177 in total2013: 272 claims, 181 paid, $6,002,961 in total20132016: 639 claims, 521 paid, $22,328,395 in total20162017: 15 claims20202025: 70 claims, 66 paid, $5,125,702 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (15)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20257066$5,125,702$77,662
201715<10––
2016639521$22,328,395$42,857
2013272181$6,002,961$33,166
20122321$484,177$23,056
200814<10––
20061210$123,711$12,371
20054019$319,619$16,822
20043327$361,040$13,372
20022012$59,039$4,920
200112<10––
19933020$82,553$4,128
19851212$96,211$8,018
19822518$45,882$2,549
1980160143$823,549$5,759

From 2016 to 2026: 724 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

ZIP codes in Acadia Parish

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Unincorporated Acadia Parish (1,013 home policies) · Crowley (728 home policies) · Rayne (214 home policies) · Mermentau (53 home policies) · Estherwood (48 home policies) · Church Point (44 home policies)