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Flood insurance cost · Calcasieu Parish, LA

Flood insurance cost in Calcasieu Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 11,359 home policies in force on August 31, 2026.

Calcasieu Parish, LouisianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,266a year

Half of insured homes paid between $1,114 and $1,652. That is 13% more than the Louisiana median ($1,119). Most insured homes here are rated in zone X (52%).

$0$1,114 · $1,266 · $1,652$2,065
+16.8% vs Aug 31, 2025 (median $1,084)
11,359home policies in force
$1,500average cost (mean)
48%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 Calcasieu 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 VE / V
High risk, coastal		$2,705$1,610–$4,090$3,09651 (0%)+10.8%
Zone AE
High risk		$1,599$1,210–$2,050$1,8004,893 (43%)+11.6%
Zone A
High risk		$1,517$1,147–$1,932$1,669494 (4%)+10.9%
Zone X
Moderate to low risk		$1,233$1,084–$1,267$1,2235,921 (52%)+16.1%

Not shown (fewer than 10 home policies): 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 Calcasieu Parish, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home10,709$1,266$1,509
2–4 unit building229$1,460$1,718
Manufactured (mobile) home402$1,022$1,173
Condo or apartment unit19$434$630
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.		181$1,751$2,404
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		973$3,635$4,307
12,513NFIP policies in force, any building
12,533insured units (condo association policies count every unit)
80%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Calcasieu 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 force12,56711,359−9.6%
Median annual cost$1,084$1,266+16.8%
Average annual cost$1,319$1,500+13.7%
All policies in force (any building)13,83612,513−9.6%

How many homes have flood insurance?

16.9%of all homes in Calcasieu Parish have an NFIP policy
42.7%of homes in high-risk zones (special flood hazard area) have one
68,841residential buildings counted by FEMA
12,927of 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 Calcasieu Parish, Louisiana have filed 10,417 flood claims. 8,236 received a payment, for a total of $324.4 million (an average of $39,389 per paid claim). The year with the most claims was 2020 (1,736 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 222 claims, 205 paid, $888,871 in total1980: 786 claims, 757 paid, $9,146,844 in total19801981: 32 claims, 22 paid, $79,840 in total1982: 297 claims, 254 paid, $3,099,646 in total1983: 27 claims, 14 paid, $36,592 in total1984: 50 claims, 33 paid, $154,870 in total1985: 70 claims, 55 paid, $393,873 in total1986: 22 claims, 16 paid, $73,356 in total1987: 72 claims, 64 paid, $354,753 in total1988: 24 claims, 17 paid, $54,228 in total1989: 388 claims, 357 paid, $5,181,737 in total1990: 14 claims19901991: 84 claims, 67 paid, $345,591 in total1993: 24 claims, 13 paid, $50,703 in total1995: 83 claims, 69 paid, $538,912 in total1996: 29 claims, 25 paid, $171,810 in total1997: 19 claims, 18 paid, $69,776 in total1998: 98 claims, 78 paid, $534,657 in total2000: 13 claims20002001: 98 claims, 73 paid, $788,445 in total2002: 137 claims, 103 paid, $1,549,306 in total2004: 58 claims, 49 paid, $532,492 in total2005: 1,406 claims, 619 paid, $34,119,589 in total20052006: 429 claims, 393 paid, $11,527,803 in total2007: 25 claims, 13 paid, $85,468 in total2008: 1,157 claims, 1,012 paid, $61,984,170 in total2009: 37 claims, 28 paid, $418,831 in total2010: 17 claims, 10 paid, $79,031 in total20102011: 11 claims2012: 64 claims, 43 paid, $546,044 in total2013: 102 claims, 95 paid, $3,184,393 in total2014: 161 claims, 123 paid, $4,195,178 in total2015: 27 claims, 18 paid, $290,871 in total2016: 101 claims, 76 paid, $2,866,935 in total2017: 638 claims, 547 paid, $21,442,326 in total2019: 139 claims, 119 paid, $4,804,433 in total2020: 1,736 claims, 1,262 paid, $55,380,298 in total202020202021: 1,633 claims, 1,503 paid, $97,848,419 in total20212024: 20 claims, 12 paid, $336,132 in total2025: 16 claims, 15 paid, $633,033 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 (40)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20251615$633,033$42,202
20242012$336,132$28,011
20211,6331,503$97,848,419$65,102
20201,7361,262$55,380,298$43,883
2019139119$4,804,433$40,373
2017638547$21,442,326$39,200
201610176$2,866,935$37,723
20152718$290,871$16,160
2014161123$4,195,178$34,107
201310295$3,184,393$33,520
20126443$546,044$12,699
201111<10––
20101710$79,031$7,903
20093728$418,831$14,958
20081,1571,012$61,984,170$61,249
20072513$85,468$6,574
2006429393$11,527,803$29,333
20051,406619$34,119,589$55,120
20045849$532,492$10,867
2002137103$1,549,306$15,042
20019873$788,445$10,801
200013<10––
19989878$534,657$6,855
19971918$69,776$3,876
19962925$171,810$6,872
19958369$538,912$7,810
19932413$50,703$3,900
19918467$345,591$5,158
199014<10––
1989388357$5,181,737$14,515
19882417$54,228$3,190
19877264$354,753$5,543
19862216$73,356$4,585
19857055$393,873$7,161
19845033$154,870$4,693
19832714$36,592$2,614
1982297254$3,099,646$12,203
19813222$79,840$3,629
1980786757$9,146,844$12,083
1979222205$888,871$4,336

From 2016 to 2026: 4,283 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 Calcasieu Parish

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

Main NFIP communities in the county

Unincorporated Calcasieu Parish (5,750 home policies) · Lake Charles (4,328 home policies) · Sulphur (849 home policies) · Westlake (170 home policies) · Iowa (166 home policies) · De Quincy (43 home policies)