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Flood insurance cost · East Baton Rouge Parish, LA

Flood insurance cost in East Baton Rouge Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 35,003 home policies in force on August 31, 2026.

East Baton Rouge Parish, LouisianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$638a year

Half of insured homes paid between $494 and $965. That is 43% less than the Louisiana median ($1,119). Most insured homes here are rated in zone X (55%).

$0$494 · $638 · $965$1,206
+1.1% vs Aug 31, 2025 (median $631)
35,003home policies in force
$776average cost (mean)
45%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 East Baton Rouge 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		$709$518–$1,077$87515,080 (43%)+1.7%
Zone A
High risk		$848$648–$1,135$968691 (2%)+1.9%
Zone AO
High risk, shallow		$669$436–$1,180$77610 (0%)–
Zone X
Moderate to low risk		$591$481–$845$69119,222 (55%)+0.3%

Not shown (fewer than 10 home policies): VE, 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 East Baton Rouge Parish, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home33,002$641$780
2–4 unit building896$736$867
Manufactured (mobile) home262$860$914
Condo or apartment unit843$435$461
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.		989$1,174$1,343
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		2,592$1,006$1,380
38,584NFIP policies in force, any building
39,656insured units (condo association policies count every unit)
80%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: East Baton Rouge 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 force37,01835,003−5.4%
Median annual cost$631$638+1.1%
Average annual cost$750$776+3.5%
All policies in force (any building)40,64038,584−5.1%

How many homes have flood insurance?

24.0%of all homes in East Baton Rouge Parish have an NFIP policy
57.0%of homes in high-risk zones (special flood hazard area) have one
149,922residential buildings counted by FEMA
28,633of 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 East Baton Rouge Parish, Louisiana have filed 22,597 flood claims. 19,389 received a payment, for a total of $1.3 billion (an average of $67,823 per paid claim). The year with the most claims was 2016 (11,646 claims). Amounts are in dollars of the time, not adjusted for inflation.

05k10k15k20k1978: 24 claims, 16 paid, $41,333 in total1979: 484 claims, 442 paid, $2,680,614 in total1980: 322 claims, 275 paid, $1,045,915 in total19801981: 15 claims1982: 140 claims, 109 paid, $382,816 in total1983: 1,472 claims, 1,372 paid, $24,643,928 in total19831984: 44 claims, 30 paid, $95,991 in total1985: 66 claims, 54 paid, $266,078 in total1986: 58 claims, 44 paid, $229,914 in total1987: 33 claims, 17 paid, $81,562 in total1988: 80 claims, 54 paid, $221,335 in total1989: 388 claims, 307 paid, $2,866,223 in total1990: 446 claims, 393 paid, $5,250,439 in total19901991: 256 claims, 224 paid, $2,297,619 in total1992: 305 claims, 224 paid, $1,999,852 in total1993: 739 claims, 672 paid, $10,578,583 in total1994: 109 claims, 92 paid, $667,108 in total1995: 792 claims, 670 paid, $8,390,789 in total1996: 88 claims, 55 paid, $659,181 in total1997: 130 claims, 106 paid, $1,118,743 in total1998: 68 claims, 43 paid, $294,084 in total1999: 29 claims, 20 paid, $103,311 in total2000: 68 claims, 54 paid, $518,866 in total20002001: 1,105 claims, 915 paid, $24,359,194 in total2002: 101 claims, 55 paid, $204,783 in total2003: 40 claims, 29 paid, $202,467 in total2004: 123 claims, 104 paid, $1,645,549 in total2005: 289 claims, 112 paid, $3,010,893 in total2006: 89 claims, 67 paid, $1,305,738 in total2007: 46 claims, 35 paid, $400,064 in total2008: 543 claims, 358 paid, $10,531,042 in total2009: 30 claims, 15 paid, $92,630 in total2010: 31 claims, 11 paid, $145,795 in total20102011: 38 claims, 29 paid, $277,708 in total2012: 105 claims, 44 paid, $403,744 in total2013: 49 claims, 25 paid, $298,945 in total2014: 33 claims2015: 76 claims, 37 paid, $1,050,472 in total2016: 11,646 claims, 10,664 paid, $1,081,042,965 in total20162017: 61 claims, 21 paid, $294,242 in total2018: 56 claims, 22 paid, $623,813 in total2019: 231 claims, 163 paid, $6,928,085 in total2020: 123 claims, 89 paid, $3,076,260 in total20202021: 1,433 claims, 1,217 paid, $110,709,906 in total20212022: 47 claims, 10 paid, $210,719 in total2023: 42 claims, 20 paid, $799,702 in total2024: 30 claims, 13 paid, $380,263 in total2025: 20 claims2026: 54 claims, 39 paid, $1,559,530 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 (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20265439$1,559,530$39,988
202520<10––
20243013$380,263$29,251
20234220$799,702$39,985
20224710$210,719$21,072
20211,4331,217$110,709,906$90,970
202012389$3,076,260$34,565
2019231163$6,928,085$42,504
20185622$623,813$28,355
20176121$294,242$14,012
201611,64610,664$1,081,042,965$101,373
20157637$1,050,472$28,391
201433<10––
20134925$298,945$11,958
201210544$403,744$9,176
20113829$277,708$9,576
20103111$145,795$13,254
20093015$92,630$6,175
2008543358$10,531,042$29,416
20074635$400,064$11,430
20068967$1,305,738$19,489
2005289112$3,010,893$26,883
2004123104$1,645,549$15,823
20034029$202,467$6,982
200210155$204,783$3,723
20011,105915$24,359,194$26,622
20006854$518,866$9,609
19992920$103,311$5,166
19986843$294,084$6,839
1997130106$1,118,743$10,554
19968855$659,181$11,985
1995792670$8,390,789$12,524
199410992$667,108$7,251
1993739672$10,578,583$15,742
1992305224$1,999,852$8,928
1991256224$2,297,619$10,257
1990446393$5,250,439$13,360
1989388307$2,866,223$9,336
19888054$221,335$4,099
19873317$81,562$4,798
19865844$229,914$5,225
19856654$266,078$4,927
19844430$95,991$3,200
19831,4721,372$24,643,928$17,962
1982140109$382,816$3,512
198115<10––
1980322275$1,045,915$3,803
1979484442$2,680,614$6,065
19782416$41,333$2,583

From 2016 to 2026: 13,743 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 East Baton Rouge Parish

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

Main NFIP communities in the county

East Baton Rouge Parish (29,734 home policies) · Central (3,966 home policies) · Zachary (752 home policies) · Baker (542 home policies)