Flood insurance cost · Cameron Parish, LA

Flood insurance cost in Cameron Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 913 home policies in force on August 31, 2026.

Cameron Parish, LouisianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,590a year

Half of insured homes paid between $1,261 and $2,413. That is 42% more than the Louisiana median ($1,119). Most insured homes here are rated in zone AE (86%).

$0$1,261 · $1,590 · $2,413$3,016

+14.9% vs Aug 31, 2025 (median $1,384)

913home policies in force

$2,042average cost (mean)

94%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 Cameron 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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone VE / V High risk, coastal	$2,956	$2,435–$3,794	$3,243	70 (8%)	+4.7%
Zone AE High risk	$1,585	$1,261–$2,190	$1,998	784 (86%)	+14.8%
Zone X Moderate to low risk	$1,260	$1,084–$1,267	$1,205	59 (6%)	+16.6%

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

Type of building	Policies	Median	Average
Single-family home	734	$1,630	$2,097
Manufactured (mobile) home	171	$1,521	$1,788
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	149	$4,078	$6,011

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

1,066NFIP policies in force, any building

1,066insured units (condo association policies count every unit)

72%of home policies also cover contents

$68,000median contents coverage, when bought

One year on: Cameron 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, 2025	Aug 31, 2026	Change
Home policies in force	990	913	−7.8%
Median annual cost	$1,384	$1,590	+14.9%
Average annual cost	$1,804	$2,042	+13.2%
All policies in force (any building)	1,126	1,066	−5.3%

How many homes have flood insurance?

30.1%of all homes in Cameron Parish have an NFIP policy

32.9%of homes in high-risk zones (special flood hazard area) have one

3,021residential buildings counted by FEMA

2,590of 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 Cameron Parish, Louisiana have filed 3,464 flood claims. 3,047 received a payment, for a total of $209.8 million (an average of $68,852 per paid claim). The year with the most claims was 2005 (1,344 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (15)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2020	613	464	$38,209,656	$82,348
2008	1,105	1,010	$62,312,826	$61,696
2005	1,344	1,264	$105,256,083	$83,272
2002	11	<10	–	–
1998	57	48	$684,057	$14,251
1997	22	20	$409,687	$20,484
1996	10	<10	–	–
1989	68	63	$746,426	$11,848
1988	17	10	$27,447	$2,745
1986	37	19	$194,882	$10,257
1985	12	<10	–	–
1983	12	<10	–	–
1982	46	40	$242,764	$6,069
1980	12	<10	–	–
1979	22	16	$28,075	$1,755

From 2016 to 2026: 613 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 Cameron Parish (905 home policies)