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Flood insurance cost · Iberia Parish, LA

Flood insurance cost in Iberia Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,721 home policies in force on August 31, 2026.

Iberia Parish, LouisianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,267a year

Half of insured homes paid between $1,080 and $1,779. That is 13% more than the Louisiana median ($1,119). The most common flood zone for insured homes here is zone AE (44%).

$0$1,080 · $1,267 · $1,779$2,224
+16.9% vs Aug 31, 2025 (median $1,084)
2,721home policies in force
$1,601average cost (mean)
58%of insured homes in high-risk zones (A, V)
$220,000median 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 Iberia 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		$1,907$1,346–$2,905$2,34794 (3%)+15.7%
Zone AE
High risk		$1,684$1,265–$2,452$2,0151,188 (44%)+15.6%
Zone A
High risk		$1,590$1,295–$1,866$1,704292 (11%)+15.4%
Zone X
Moderate to low risk		$1,086$930–$1,263$1,0851,147 (42%)+16.5%

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 Iberia Parish, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,490$1,266$1,610
2–4 unit building61$1,702$2,086
Manufactured (mobile) home168$1,111$1,306
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.		39$1,367$1,881
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		300$4,108$5,209

Not shown (fewer than 10 policies): condo or apartment unit.

3,060NFIP policies in force, any building
3,060insured units (condo association policies count every unit)
78%of home policies also cover contents
$84,000median contents coverage, when bought

One year on: Iberia 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 force3,0092,721−9.6%
Median annual cost$1,084$1,267+16.9%
Average annual cost$1,401$1,601+14.3%
All policies in force (any building)3,3633,060−9.0%

How many homes have flood insurance?

11.6%of all homes in Iberia Parish have an NFIP policy
39.3%of homes in high-risk zones (special flood hazard area) have one
24,366residential buildings counted by FEMA
4,136of 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 Iberia Parish, Louisiana have filed 2,895 flood claims. 2,477 received a payment, for a total of $88.8 million (an average of $35,847 per paid claim). The year with the most claims was 2005 (755 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 72 claims, 62 paid, $164,762 in total1979: 44 claims, 38 paid, $156,256 in total1980: 28 claims, 23 paid, $40,614 in total19801981: 18 claims, 17 paid, $77,149 in total1983: 14 claims, 12 paid, $25,396 in total1984: 234 claims, 208 paid, $2,411,589 in total1985: 28 claims, 18 paid, $137,303 in total1986: 31 claims, 22 paid, $47,415 in total19901992: 18 claims, 14 paid, $92,845 in total1997: 42 claims, 39 paid, $399,033 in total1998: 14 claims, 10 paid, $53,402 in total20002001: 35 claims, 27 paid, $209,265 in total2002: 70 claims, 50 paid, $795,741 in total2003: 13 claims, 11 paid, $220,584 in total2005: 755 claims, 680 paid, $33,773,000 in total20052006: 14 claims, 13 paid, $99,844 in total2008: 691 claims, 596 paid, $22,355,182 in total20082009: 34 claims, 32 paid, $683,964 in total2010: 25 claims, 23 paid, $507,779 in total20102014: 11 claims2015: 34 claims, 28 paid, $1,113,673 in total2016: 391 claims, 335 paid, $16,568,853 in total20162017: 22 claims, 18 paid, $854,245 in total2019: 42 claims, 25 paid, $426,607 in total2020: 80 claims, 59 paid, $2,471,601 in total20202021: 28 claims, 24 paid, $1,242,195 in total2025: 40 claims, 40 paid, $3,262,265 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 (27)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20254040$3,262,265$81,557
20212824$1,242,195$51,758
20208059$2,471,601$41,892
20194225$426,607$17,064
20172218$854,245$47,458
2016391335$16,568,853$49,459
20153428$1,113,673$39,774
201411<10––
20102523$507,779$22,077
20093432$683,964$21,374
2008691596$22,355,182$37,509
20061413$99,844$7,680
2005755680$33,773,000$49,666
20031311$220,584$20,053
20027050$795,741$15,915
20013527$209,265$7,751
19981410$53,402$5,340
19974239$399,033$10,232
19921814$92,845$6,632
19863122$47,415$2,155
19852818$137,303$7,628
1984234208$2,411,589$11,594
19831412$25,396$2,116
19811817$77,149$4,538
19802823$40,614$1,766
19794438$156,256$4,112
19787262$164,762$2,657

From 2016 to 2026: 603 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 Iberia Parish

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

Main NFIP communities in the county

Unincorporated Iberia Parish (1,854 home policies) · New Iberia (759 home policies) · Delcambre (59 home policies) · Jeanerette (40 home policies)