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Flood insurance cost · Grant Parish, LA

Flood insurance cost in Grant Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 155 home policies in force on August 31, 2026.

Grant Parish, LouisianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$758a year

Half of insured homes paid between $580 and $1,167. That is 32% less than the Louisiana median ($1,119). The most common flood zone for insured homes here is zone A (37%).

$0$580 · $758 · $1,167$1,459
+3.8% vs Aug 31, 2025 (median $730)
155home policies in force
$980average cost (mean)
67%of insured homes in high-risk zones (A, V)
$171,000median 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 Grant 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		$600$441–$720$75444 (28%)+2.7%
Zone A
High risk		$1,266$794–$1,463$1,31657 (37%)+16.7%
Zone X
Moderate to low risk		$740$534–$1,000$82251 (33%)−4.1%

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 Grant Parish, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home122$748$974
Manufactured (mobile) home27$719$1,044
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		10$1,004$1,056

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

165NFIP policies in force, any building
165insured units (condo association policies count every unit)
59%of home policies also cover contents
$60,000median contents coverage, when bought

One year on: Grant 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 force163155−4.9%
Median annual cost$730$758+3.8%
Average annual cost$908$980+7.9%
All policies in force (any building)174165−5.2%

How many homes have flood insurance?

1.9%of all homes in Grant Parish have an NFIP policy
15.1%of homes in high-risk zones (special flood hazard area) have one
8,034residential buildings counted by FEMA
681of 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 Grant Parish, Louisiana have filed 442 flood claims. 381 received a payment, for a total of $5,336,415 (an average of $14,006 per paid claim). The year with the most claims was 2016 (55 claims). Amounts are in dollars of the time, not adjusted for inflation.

0204060801979: 14 claims, 14 paid, $56,375 in total19801982: 18 claims, 15 paid, $161,784 in total1983: 32 claims, 22 paid, $124,232 in total1987: 27 claims, 26 paid, $191,483 in total1989: 48 claims, 43 paid, $303,845 in total19891990: 15 claims, 15 paid, $77,120 in total19901991: 49 claims, 47 paid, $439,542 in total19911995: 30 claims, 27 paid, $263,017 in total1997: 22 claims, 20 paid, $286,926 in total1999: 22 claims, 20 paid, $196,686 in total20002001: 24 claims, 22 paid, $226,929 in total2006: 11 claims20102016: 55 claims, 41 paid, $1,621,129 in total20162020
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
20165541$1,621,129$39,540
200611<10––
20012422$226,929$10,315
19992220$196,686$9,834
19972220$286,926$14,346
19953027$263,017$9,741
19914947$439,542$9,352
19901515$77,120$5,141
19894843$303,845$7,066
19872726$191,483$7,365
19833222$124,232$5,647
19821815$161,784$10,786
19791414$56,375$4,027

From 2016 to 2026: 55 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 Grant Parish (125 home policies) · Colfax (26 home policies)