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Flood insurance cost · Lafayette Parish, LA

Flood insurance cost in Lafayette Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 15,820 home policies in force on August 31, 2026.

Lafayette Parish, LouisianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,031a year

Half of insured homes paid between $799 and $1,224. That is 8% less than the Louisiana median ($1,119). Most insured homes here are rated in zone X (51%).

$0$799 · $1,031 · $1,224$1,530
+10.9% vs Aug 31, 2025 (median $930)
15,820home policies in force
$1,037average cost (mean)
49%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 Lafayette 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		$1,042$784–$1,280$1,1104,874 (31%)+10.1%
Zone A
High risk		$861$684–$1,094$9052,710 (17%)+4.1%
Zone AH
High risk, shallow		$722$654–$907$80194 (1%)+14.6%
Zone X
Moderate to low risk		$1,079$864–$1,232$1,0408,142 (51%)+15.9%

Not shown (fewer than 10 home policies): VE, AO, 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 Lafayette Parish, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home15,127$1,041$1,045
2–4 unit building122$1,200$1,175
Manufactured (mobile) home455$799$850
Condo or apartment unit116$564$603
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.		137$1,767$2,161
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		1,014$1,746$2,048
16,971NFIP policies in force, any building
17,093insured units (condo association policies count every unit)
83%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Lafayette 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 force17,07415,820−7.3%
Median annual cost$930$1,031+10.9%
Average annual cost$953$1,037+8.8%
All policies in force (any building)18,25516,971−7.0%

How many homes have flood insurance?

19.0%of all homes in Lafayette Parish have an NFIP policy
46.9%of homes in high-risk zones (special flood hazard area) have one
84,455residential buildings counted by FEMA
16,496of 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 Lafayette Parish, Louisiana have filed 6,587 flood claims. 5,631 received a payment, for a total of $266.6 million (an average of $47,353 per paid claim). The year with the most claims was 2016 (2,591 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 49 claims, 48 paid, $93,568 in total1979: 128 claims, 112 paid, $316,449 in total1980: 415 claims, 381 paid, $2,797,128 in total198019801981: 22 claims, 13 paid, $45,825 in total1982: 68 claims, 50 paid, $135,955 in total1983: 16 claims, 12 paid, $54,030 in total1984: 52 claims, 38 paid, $323,340 in total1985: 46 claims, 29 paid, $225,798 in total1988: 16 claims, 11 paid, $50,752 in total1989: 114 claims, 104 paid, $802,334 in total19901991: 92 claims, 80 paid, $500,261 in total1992: 28 claims, 12 paid, $132,943 in total1993: 464 claims, 409 paid, $5,195,596 in total19931994: 10 claims1995: 262 claims, 232 paid, $2,744,419 in total1996: 12 claims, 10 paid, $67,472 in total1997: 13 claims1998: 134 claims, 114 paid, $929,009 in total1999: 36 claims, 26 paid, $206,759 in total20002001: 232 claims, 197 paid, $4,667,367 in total2002: 114 claims, 65 paid, $337,346 in total2004: 146 claims, 119 paid, $1,906,613 in total2005: 89 claims, 40 paid, $1,404,671 in total2006: 57 claims, 47 paid, $863,728 in total2008: 86 claims, 54 paid, $888,650 in total2009: 10 claims2010: 11 claims20102012: 289 claims, 258 paid, $10,112,232 in total2013: 29 claims, 16 paid, $229,138 in total2014: 53 claims, 37 paid, $924,310 in total2015: 17 claims2016: 2,591 claims, 2,365 paid, $194,437,496 in total20162017: 155 claims, 132 paid, $4,126,651 in total2019: 173 claims, 136 paid, $5,419,207 in total2020: 86 claims, 58 paid, $2,023,446 in total20202021: 177 claims, 155 paid, $6,586,155 in total2022: 10 claims2024: 30 claims, 22 paid, $1,141,053 in total2025: 190 claims, 181 paid, $16,330,055 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 (39)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2025190181$16,330,055$90,221
20243022$1,141,053$51,866
202210<10––
2021177155$6,586,155$42,491
20208658$2,023,446$34,887
2019173136$5,419,207$39,847
2017155132$4,126,651$31,263
20162,5912,365$194,437,496$82,215
201517<10––
20145337$924,310$24,981
20132916$229,138$14,321
2012289258$10,112,232$39,195
201011<10––
200910<10––
20088654$888,650$16,456
20065747$863,728$18,377
20058940$1,404,671$35,117
2004146119$1,906,613$16,022
200211465$337,346$5,190
2001232197$4,667,367$23,692
19993626$206,759$7,952
1998134114$929,009$8,149
199713<10––
19961210$67,472$6,747
1995262232$2,744,419$11,829
199410<10––
1993464409$5,195,596$12,703
19922812$132,943$11,079
19919280$500,261$6,253
1989114104$802,334$7,715
19881611$50,752$4,614
19854629$225,798$7,786
19845238$323,340$8,509
19831612$54,030$4,502
19826850$135,955$2,719
19812213$45,825$3,525
1980415381$2,797,128$7,342
1979128112$316,449$2,825
19784948$93,568$1,949

From 2016 to 2026: 3,412 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 Lafayette Parish

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

Main NFIP communities in the county

Lafayette City- Parish Consolidated Government (6,491 home policies) · Lafayette (5,898 home policies) · Youngsville (1,351 home policies) · Broussard (861 home policies) · Scott (830 home policies) · Carencro (299 home policies)