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Flood insurance cost · Beauregard Parish, LA

Flood insurance cost in Beauregard Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 290 home policies in force on August 31, 2026.

Beauregard Parish, LouisianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,092a year

Half of insured homes paid between $804 and $1,346. That is 2% less than the Louisiana median ($1,119). The most common flood zone for insured homes here is zone X (50%).

$0$804 · $1,092 · $1,346$1,682
+10.8% vs Aug 31, 2025 (median $986)
290home policies in force
$1,175average cost (mean)
50%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 Beauregard 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		$1,388$1,113–$2,014$1,60844 (15%)+15.2%
Zone A
High risk		$1,214$954–$1,612$1,315102 (35%)+4.8%
Zone X
Moderate to low risk		$916$705–$1,176$943144 (50%)+3.2%

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 Beauregard Parish, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home253$1,086$1,175
Manufactured (mobile) home33$1,171$1,177
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		11$2,176$2,412

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

301NFIP policies in force, any building
301insured units (condo association policies count every unit)
79%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Beauregard 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 force308290−5.8%
Median annual cost$986$1,092+10.8%
Average annual cost$1,074$1,175+9.4%
All policies in force (any building)320301−5.9%

How many homes have flood insurance?

1.9%of all homes in Beauregard Parish have an NFIP policy
24.3%of homes in high-risk zones (special flood hazard area) have one
15,561residential buildings counted by FEMA
600of 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 Beauregard Parish, Louisiana have filed 514 flood claims. 457 received a payment, for a total of $8,670,480 (an average of $18,973 per paid claim). The year with the most claims was 1989 (73 claims). Amounts are in dollars of the time, not adjusted for inflation.

02040608019801984: 50 claims, 40 paid, $191,738 in total19841989: 73 claims, 67 paid, $770,206 in total198919901991: 29 claims, 29 paid, $196,271 in total1995: 38 claims, 36 paid, $378,556 in total1999: 19 claims, 18 paid, $267,091 in total20002001: 65 claims, 61 paid, $1,227,058 in total20012002: 22 claims, 21 paid, $133,078 in total2006: 14 claims, 10 paid, $217,729 in total20102012: 41 claims, 37 paid, $1,046,980 in total2016: 12 claims, 12 paid, $782,869 in total2017: 35 claims, 32 paid, $608,574 in total2019: 21 claims, 21 paid, $1,307,906 in total2020: 16 claims, 12 paid, $360,120 in total2020
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 (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20201612$360,120$30,010
20192121$1,307,906$62,281
20173532$608,574$19,018
20161212$782,869$65,239
20124137$1,046,980$28,297
20061410$217,729$21,773
20022221$133,078$6,337
20016561$1,227,058$20,116
19991918$267,091$14,838
19953836$378,556$10,515
19912929$196,271$6,768
19897367$770,206$11,496
19845040$191,738$4,793

From 2016 to 2026: 84 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 Beauregard Parish (214 home policies) · Deridder (65 home policies)