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Flood insurance cost · Allen Parish, LA

Flood insurance cost in Allen Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 279 home policies in force on August 31, 2026.

Allen Parish, LouisianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$879a year

Half of insured homes paid between $678 and $1,139. That is 21% less than the Louisiana median ($1,119). The most common flood zone for insured homes here is zone X (38%).

$0$678 · $879 · $1,139$1,424
+7.2% vs Aug 31, 2025 (median $820)
279home policies in force
$961average cost (mean)
62%of insured homes in high-risk zones (A, V)
$155,000median 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 Allen 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		$844$667–$1,159$99496 (34%)+10.0%
Zone A
High risk		$875$626–$1,178$93378 (28%)+7.6%
Zone X
Moderate to low risk		$942$732–$1,084$952105 (38%)+7.2%

Not shown (fewer than 10 home policies): VE, AO, AH, 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 Allen Parish, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home254$882$973
Manufactured (mobile) home22$756$790
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		34$1,061$1,583

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit, whole residential building (5+ units or condo association).

319NFIP policies in force, any building
319insured units (condo association policies count every unit)
63%of home policies also cover contents
$59,500median contents coverage, when bought

One year on: Allen 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 force326279−14.4%
Median annual cost$820$879+7.2%
Average annual cost$876$961+9.7%
All policies in force (any building)369319−13.6%

How many homes have flood insurance?

3.3%of all homes in Allen Parish have an NFIP policy
14.8%of homes in high-risk zones (special flood hazard area) have one
8,757residential buildings counted by FEMA
1,220of 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 Allen Parish, Louisiana have filed 442 flood claims. 367 received a payment, for a total of $9,167,044 (an average of $24,978 per paid claim). The year with the most claims was 2020 (55 claims). Amounts are in dollars of the time, not adjusted for inflation.

0204060801979: 11 claims, 10 paid, $108,507 in total19801982: 13 claims, 10 paid, $134,470 in total1983: 39 claims, 33 paid, $256,180 in total1984: 21 claims, 14 paid, $71,922 in total1989: 52 claims, 47 paid, $687,184 in total198919901995: 47 claims, 42 paid, $776,960 in total19951998: 11 claims, 11 paid, $73,958 in total20002001: 15 claims, 12 paid, $183,138 in total2002: 20 claims, 16 paid, $237,888 in total2005: 16 claims2006: 27 claims, 18 paid, $287,329 in total20102016: 12 claims, 10 paid, $453,689 in total2017: 15 claims, 15 paid, $437,734 in total2019: 13 claims, 11 paid, $548,137 in total2020: 55 claims, 49 paid, $2,660,726 in total202020202024: 23 claims, 23 paid, $1,575,655 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 (16)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20242323$1,575,655$68,507
20205549$2,660,726$54,301
20191311$548,137$49,831
20171515$437,734$29,182
20161210$453,689$45,369
20062718$287,329$15,963
200516<10––
20022016$237,888$14,868
20011512$183,138$15,262
19981111$73,958$6,723
19954742$776,960$18,499
19895247$687,184$14,621
19842114$71,922$5,137
19833933$256,180$7,763
19821310$134,470$13,447
19791110$108,507$10,851

From 2016 to 2026: 118 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.

Main NFIP communities in the county

Unincorporated Allen Parish (169 home policies) · Oakdale (63 home policies) · Kinder (24 home policies) · Oberlin (14 home policies)