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Flood insurance cost · Concordia Parish, LA

Flood insurance cost in Concordia Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 684 home policies in force on August 31, 2026.

Concordia Parish, LouisianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$438a year

Half of insured homes paid between $401 and $504. That is 61% less than the Louisiana median ($1,119). Most insured homes here are rated in zone X (77%).

$0$401 · $438 · $504$630
+2.3% vs Aug 31, 2025 (median $428)
684home policies in force
$474average cost (mean)
23%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 Concordia 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		$440$381–$595$507102 (15%)+3.5%
Zone A
High risk		$464$373–$554$47052 (8%)+5.7%
Zone X
Moderate to low risk		$437$405–$491$468530 (77%)+2.1%

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 Concordia Parish, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home645$437$473
Manufactured (mobile) home39$470$491
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.		11$758$801
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		64$778$1,087

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit.

759NFIP policies in force, any building
759insured units (condo association policies count every unit)
86%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Concordia 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 force754684−9.3%
Median annual cost$428$438+2.3%
Average annual cost$468$474+1.3%
All policies in force (any building)833759−8.9%

How many homes have flood insurance?

8.8%of all homes in Concordia Parish have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
7,878residential 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 Concordia Parish, Louisiana have filed 1,230 flood claims. 1,005 received a payment, for a total of $12.0 million (an average of $11,956 per paid claim). The year with the most claims was 1983 (174 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001978: 11 claims, 10 paid, $23,544 in total1979: 146 claims, 139 paid, $1,165,885 in total19791980: 69 claims, 63 paid, $187,693 in total19801982: 43 claims, 34 paid, $98,631 in total1983: 174 claims, 136 paid, $1,009,322 in total19831984: 67 claims, 49 paid, $295,105 in total1985: 30 claims, 20 paid, $93,115 in total1989: 24 claims, 22 paid, $127,984 in total1990: 46 claims, 43 paid, $296,823 in total19901991: 91 claims, 80 paid, $518,426 in total19911993: 22 claims, 20 paid, $159,332 in total1994: 38 claims, 35 paid, $305,120 in total1995: 28 claims, 22 paid, $183,842 in total1996: 18 claims, 14 paid, $91,642 in total1997: 59 claims, 53 paid, $983,069 in total1998: 15 claims, 12 paid, $114,913 in total1999: 11 claims, 10 paid, $64,815 in total20002001: 11 claims2002: 16 claims, 13 paid, $115,735 in total2005: 32 claims2008: 43 claims, 33 paid, $1,149,870 in total20102011: 82 claims, 54 paid, $1,976,990 in total2013: 36 claims, 31 paid, $894,523 in total2016: 16 claims, 13 paid, $437,882 in total2018: 11 claims, 11 paid, $384,107 in total2019: 17 claims, 12 paid, $355,536 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 (26)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20191712$355,536$29,628
20181111$384,107$34,919
20161613$437,882$33,683
20133631$894,523$28,856
20118254$1,976,990$36,611
20084333$1,149,870$34,845
200532<10––
20021613$115,735$8,903
200111<10––
19991110$64,815$6,482
19981512$114,913$9,576
19975953$983,069$18,548
19961814$91,642$6,546
19952822$183,842$8,356
19943835$305,120$8,718
19932220$159,332$7,967
19919180$518,426$6,480
19904643$296,823$6,903
19892422$127,984$5,817
19853020$93,115$4,656
19846749$295,105$6,023
1983174136$1,009,322$7,421
19824334$98,631$2,901
19806963$187,693$2,979
1979146139$1,165,885$8,388
19781110$23,544$2,354

From 2016 to 2026: 44 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 Concordia Parish

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

Main NFIP communities in the county

Unincorporated Concordia Parish (440 home policies) · Vidalia (211 home policies) · Ferriday (17 home policies)