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Flood insurance cost · Assumption Parish, LA

Flood insurance cost in Assumption Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 968 home policies in force on August 31, 2026.

Assumption Parish, LouisianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,160a year

Half of insured homes paid between $869 and $1,506. That is 4% more than the Louisiana median ($1,119). Most insured homes here are rated in zone AE (68%).

$0$869 · $1,160 · $1,506$1,882
+16.9% vs Aug 31, 2025 (median $992)
968home policies in force
$1,333average cost (mean)
77%of insured homes in high-risk zones (A, V)
$213,500median 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 Assumption 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		$1,212$879–$1,725$1,444654 (68%)+18.6%
Zone A
High risk		$1,215$1,031–$1,500$1,27056 (6%)+11.0%
Zone AH
High risk, shallow		$1,204$891–$1,507$1,40725 (3%)+16.8%
Zone X
Moderate to low risk		$1,026$684–$1,260$979224 (23%)+15.7%

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 Assumption Parish, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home870$1,184$1,362
Manufactured (mobile) home98$888$1,078
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		52$1,978$2,400

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

1,026NFIP policies in force, any building
1,026insured units (condo association policies count every unit)
59%of home policies also cover contents
$60,000median contents coverage, when bought

One year on: Assumption 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 force1,047968−7.5%
Median annual cost$992$1,160+16.9%
Average annual cost$1,173$1,333+13.6%
All policies in force (any building)1,1101,026−7.6%

How many homes have flood insurance?

11.8%of all homes in Assumption Parish have an NFIP policy
28.8%of homes in high-risk zones (special flood hazard area) have one
8,423residential buildings counted by FEMA
2,661of 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 Assumption Parish, Louisiana have filed 892 flood claims. 691 received a payment, for a total of $5,156,982 (an average of $7,463 per paid claim). The year with the most claims was 1980 (137 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001979: 129 claims, 103 paid, $177,086 in total19791980: 137 claims, 102 paid, $171,876 in total198019801983: 36 claims, 23 paid, $77,515 in total1985: 10 claims19901991: 131 claims, 116 paid, $937,764 in total19911992: 27 claims, 17 paid, $109,974 in total1997: 30 claims, 25 paid, $172,792 in total20002001: 62 claims, 55 paid, $596,614 in total2002: 12 claims2003: 33 claims, 26 paid, $300,243 in total2005: 22 claims2008: 36 claims, 23 paid, $184,049 in total2009: 23 claims, 20 paid, $306,036 in total20102011: 57 claims, 54 paid, $53,340 in total2014: 11 claims2019: 16 claims, 10 paid, $169,999 in total20202021: 21 claims, 20 paid, $596,627 in total2024: 12 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 (18)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202412<10––
20212120$596,627$29,831
20191610$169,999$17,000
201411<10––
20115754$53,340$988
20092320$306,036$15,302
20083623$184,049$8,002
200522<10––
20033326$300,243$11,548
200212<10––
20016255$596,614$10,848
19973025$172,792$6,912
19922717$109,974$6,469
1991131116$937,764$8,084
198510<10––
19833623$77,515$3,370
1980137102$171,876$1,685
1979129103$177,086$1,719

From 2016 to 2026: 49 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 Assumption Parish

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

Main NFIP communities in the county

Unincorporated Assumption Parish (964 home policies)