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Flood insurance cost · Ascension Parish, LA

Flood insurance cost in Ascension Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 13,060 home policies in force on August 31, 2026.

Ascension Parish, LouisianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$888a year

Half of insured homes paid between $580 and $1,266. That is 21% less than the Louisiana median ($1,119). The most common flood zone for insured homes here is zone AE (47%).

$0$580 · $888 · $1,266$1,582
+7.4% vs Aug 31, 2025 (median $827)
13,060home policies in force
$993average cost (mean)
53%of insured homes in high-risk zones (A, V)
$250,000median 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 Ascension 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		$1,165$808–$1,538$1,2256,171 (47%)+9.1%
Zone A
High risk		$780$579–$1,180$912717 (5%)+1.8%
Zone AH
High risk, shallow		$540$458–$670$58264 (0%)+3.1%
Zone X
Moderate to low risk		$647$523–$1,074$7746,108 (47%)+1.6%

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 Ascension Parish, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home12,303$904$1,002
2–4 unit building42$1,226$1,177
Manufactured (mobile) home671$789$856
Condo or apartment unit44$394$458
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.		86$1,366$1,482
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		756$1,662$2,243
13,902NFIP policies in force, any building
13,930insured units (condo association policies count every unit)
78%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Ascension 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 force13,86113,060−5.8%
Median annual cost$827$888+7.4%
Average annual cost$923$993+7.6%
All policies in force (any building)14,72713,902−5.6%

How many homes have flood insurance?

28.9%of all homes in Ascension Parish have an NFIP policy
45.4%of homes in high-risk zones (special flood hazard area) have one
45,717residential buildings counted by FEMA
15,398of 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 Ascension Parish, Louisiana have filed 6,789 flood claims. 5,794 received a payment, for a total of $353.7 million (an average of $61,042 per paid claim). The year with the most claims was 2016 (3,947 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1979: 193 claims, 185 paid, $1,204,770 in total1980: 168 claims, 145 paid, $512,722 in total19801983: 312 claims, 283 paid, $3,633,110 in total19831984: 19 claims, 18 paid, $111,628 in total1985: 45 claims, 38 paid, $212,171 in total1988: 44 claims, 31 paid, $140,454 in total1990: 76 claims, 65 paid, $791,890 in total19901991: 46 claims, 38 paid, $282,592 in total1992: 57 claims, 42 paid, $217,151 in total1993: 100 claims, 94 paid, $1,207,055 in total1994: 29 claims, 23 paid, $174,670 in total1995: 50 claims, 44 paid, $352,548 in total1997: 43 claims, 39 paid, $385,878 in total1998: 80 claims, 65 paid, $582,249 in total20002001: 355 claims, 263 paid, $4,433,392 in total20012002: 26 claims, 13 paid, $55,173 in total2003: 25 claims, 17 paid, $123,196 in total2005: 169 claims, 99 paid, $2,963,994 in total2006: 23 claims, 16 paid, $204,657 in total2008: 71 claims, 24 paid, $269,824 in total2009: 24 claims, 22 paid, $286,617 in total20102012: 228 claims, 173 paid, $3,680,725 in total2013: 32 claims, 24 paid, $372,401 in total2014: 153 claims, 121 paid, $3,982,446 in total2016: 3,947 claims, 3,582 paid, $313,084,469 in total20162017: 18 claims2018: 10 claims2019: 24 claims, 15 paid, $845,872 in total2020: 57 claims, 46 paid, $1,739,632 in total20202021: 267 claims, 203 paid, $10,899,960 in total2022: 12 claims2024: 16 claims
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 (32)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202416<10––
202212<10––
2021267203$10,899,960$53,694
20205746$1,739,632$37,818
20192415$845,872$56,391
201810<10––
201718<10––
20163,9473,582$313,084,469$87,405
2014153121$3,982,446$32,913
20133224$372,401$15,517
2012228173$3,680,725$21,276
20092422$286,617$13,028
20087124$269,824$11,243
20062316$204,657$12,791
200516999$2,963,994$29,939
20032517$123,196$7,247
20022613$55,173$4,244
2001355263$4,433,392$16,857
19988065$582,249$8,958
19974339$385,878$9,894
19955044$352,548$8,012
19942923$174,670$7,594
199310094$1,207,055$12,841
19925742$217,151$5,170
19914638$282,592$7,437
19907665$791,890$12,183
19884431$140,454$4,531
19854538$212,171$5,583
19841918$111,628$6,202
1983312283$3,633,110$12,838
1980168145$512,722$3,536
1979193185$1,204,770$6,512

From 2016 to 2026: 4,351 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 Ascension Parish

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

Main NFIP communities in the county

Unincorporated Ascension Parish (11,797 home policies) · Gonzales (819 home policies) · Sorrento (266 home policies) · Donaldsonville (162 home policies)