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Flood insurance cost · Avoyelles Parish, LA

Flood insurance cost in Avoyelles Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 785 home policies in force on August 31, 2026.

Avoyelles Parish, LouisianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$453a year

Half of insured homes paid between $385 and $577. That is 60% less than the Louisiana median ($1,119). Most insured homes here are rated in zone A (66%).

$0$385 · $453 · $577$721
+2.0% vs Aug 31, 2025 (median $444)
785home policies in force
$515average cost (mean)
69%of insured homes in high-risk zones (A, V)
$165,000median 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.

Disaster declarations: 2 FEMA declarations · individual aid. FEMA declarations and IRS tax relief in Avoyelles Parish.

Cost by flood zone in Avoyelles 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		$570$493–$691$59424 (3%)+15.4%
Zone A
High risk		$426$371–$569$502515 (66%)+1.2%
Zone X
Moderate to low risk		$484$425–$578$534246 (31%)+3.9%

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 Avoyelles Parish, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home699$453$514
Manufactured (mobile) home86$446$523
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		66$716$964

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

852NFIP policies in force, any building
852insured units (condo association policies count every unit)
55%of home policies also cover contents
$62,000median contents coverage, when bought

One year on: Avoyelles 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 force737785+6.5%
Median annual cost$444$453+2.0%
Average annual cost$501$515+2.8%
All policies in force (any building)801852+6.4%

How many homes have flood insurance?

4.6%of all homes in Avoyelles Parish have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
16,257residential buildings counted by FEMA
0of 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 Avoyelles Parish, Louisiana have filed 1,668 flood claims. 1,419 received a payment, for a total of $18.4 million (an average of $12,990 per paid claim). The year with the most claims was 1979 (308 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 308 claims, 290 paid, $1,108,671 in total19791980: 113 claims, 102 paid, $320,392 in total19801981: 23 claims, 18 paid, $67,849 in total1982: 41 claims, 28 paid, $117,389 in total1983: 262 claims, 190 paid, $618,740 in total19831984: 18 claims, 15 paid, $33,627 in total1989: 14 claims, 10 paid, $50,348 in total1990: 27 claims, 23 paid, $84,911 in total19901991: 90 claims, 87 paid, $371,216 in total1994: 10 claims1995: 42 claims, 40 paid, $446,296 in total1997: 129 claims, 115 paid, $645,040 in total19971999: 13 claims, 11 paid, $73,569 in total20002001: 23 claims, 21 paid, $138,287 in total2002: 14 claims2004: 13 claims, 12 paid, $104,105 in total2005: 10 claims2008: 86 claims, 69 paid, $1,511,897 in total2010: 19 claims, 16 paid, $221,752 in total20102011: 66 claims, 52 paid, $1,251,757 in total2012: 10 claims2013: 18 claims, 17 paid, $311,781 in total2016: 51 claims, 38 paid, $959,354 in total2017: 62 claims, 58 paid, $1,846,673 in total2019: 29 claims, 27 paid, $772,709 in total20202026: 93 claims, 81 paid, $5,760,691 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 (26)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20269381$5,760,691$71,120
20192927$772,709$28,619
20176258$1,846,673$31,839
20165138$959,354$25,246
20131817$311,781$18,340
201210<10––
20116652$1,251,757$24,072
20101916$221,752$13,860
20088669$1,511,897$21,912
200510<10––
20041312$104,105$8,675
200214<10––
20012321$138,287$6,585
19991311$73,569$6,688
1997129115$645,040$5,609
19954240$446,296$11,157
199410<10––
19919087$371,216$4,267
19902723$84,911$3,692
19891410$50,348$5,035
19841815$33,627$2,242
1983262190$618,740$3,257
19824128$117,389$4,192
19812318$67,849$3,769
1980113102$320,392$3,141
1979308290$1,108,671$3,823

From 2016 to 2026: 235 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 Avoyelles Parish

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

Main NFIP communities in the county

Unincorporated Avoyelles Parish (677 home policies) · Marksville (39 home policies) · Bunkie (31 home policies) · Mansura (10 home policies)