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Flood insurance cost · Lafourche Parish, LA

Flood insurance cost in Lafourche Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 7,866 home policies in force on August 31, 2026.

Lafourche Parish, LouisianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,252a year

Half of insured homes paid between $1,079 and $1,604. That is 12% more than the Louisiana median ($1,119). The most common flood zone for insured homes here is zone X (36%).

$0$1,079 · $1,252 · $1,604$2,005
+16.2% vs Aug 31, 2025 (median $1,077)
7,866home policies in force
$1,529average cost (mean)
64%of insured homes in high-risk zones (A, V)
$201,000median 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.

Disaster declarations: 2 FEMA declarations · individual aid. FEMA declarations and IRS tax relief in Lafourche Parish.

Cost by flood zone in Lafourche 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		$3,974$2,995–$4,886$4,09110 (0%)+24.7%
Zone AE
High risk		$1,832$1,188–$2,700$2,0902,108 (27%)+12.5%
Zone A
High risk		$1,613$1,256–$2,502$1,9711,043 (13%)+11.0%
Zone AH
High risk, shallow		$1,220$911–$1,896$1,495155 (2%)+13.0%
Zone A99 / AR
High risk, levee areas		$1,082$952–$1,233$1,1021,720 (22%)+16.5%
Zone X
Moderate to low risk		$1,226$1,080–$1,265$1,1992,829 (36%)+16.8%

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

Type of buildingPoliciesMedianAverage
Single-family home7,099$1,247$1,536
2–4 unit building213$1,311$1,582
Manufactured (mobile) home548$1,286$1,420
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.		30$1,596$2,345
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		543$3,540$4,364

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

8,439NFIP policies in force, any building
8,443insured units (condo association policies count every unit)
77%of home policies also cover contents
$80,000median contents coverage, when bought

One year on: Lafourche 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 force8,5827,866−8.3%
Median annual cost$1,077$1,252+16.2%
Average annual cost$1,349$1,529+13.3%
All policies in force (any building)9,1908,439−8.2%

How many homes have flood insurance?

23.0%of all homes in Lafourche Parish have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
34,592residential 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 Lafourche Parish, Louisiana have filed 6,215 flood claims. 4,453 received a payment, for a total of $104.3 million (an average of $23,428 per paid claim). The year with the most claims was 1985 (1,174 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 62 claims, 51 paid, $126,114 in total1980: 144 claims, 116 paid, $399,080 in total19801981: 12 claims, 10 paid, $14,039 in total1982: 15 claims, 12 paid, $24,014 in total1983: 35 claims, 25 paid, $101,513 in total1984: 18 claims, 10 paid, $26,547 in total1985: 1,174 claims, 1,067 paid, $13,715,867 in total19851990: 64 claims, 57 paid, $237,640 in total19901991: 132 claims, 119 paid, $991,923 in total1992: 201 claims, 164 paid, $1,398,898 in total1993: 18 claims, 13 paid, $54,587 in total1995: 64 claims, 53 paid, $463,796 in total1997: 16 claims, 14 paid, $72,735 in total1998: 71 claims, 53 paid, $400,144 in total1999: 122 claims, 111 paid, $1,605,731 in total20002001: 526 claims, 462 paid, $10,442,829 in total2002: 288 claims, 216 paid, $2,993,573 in total2003: 61 claims, 46 paid, $344,953 in total2004: 62 claims, 55 paid, $589,552 in total2005: 711 claims, 409 paid, $11,103,126 in total20052006: 17 claims, 14 paid, $113,657 in total2007: 28 claims, 19 paid, $526,924 in total2008: 859 claims, 315 paid, $12,178,984 in total20082009: 202 claims, 177 paid, $3,122,760 in total2010: 11 claims20102011: 20 claims, 11 paid, $131,435 in total2012: 151 claims, 96 paid, $2,028,624 in total2013: 14 claims2015: 19 claims, 17 paid, $228,958 in total2016: 17 claims2017: 49 claims, 26 paid, $392,219 in total2019: 24 claims, 18 paid, $548,126 in total2020: 93 claims, 73 paid, $2,067,656 in total20202021: 629 claims, 379 paid, $27,005,974 in total2024: 142 claims, 119 paid, $6,331,588 in total2026: 81 claims, 71 paid, $4,029,713 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 (36)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20268171$4,029,713$56,757
2024142119$6,331,588$53,207
2021629379$27,005,974$71,256
20209373$2,067,656$28,324
20192418$548,126$30,451
20174926$392,219$15,085
201617<10––
20151917$228,958$13,468
201314<10––
201215196$2,028,624$21,132
20112011$131,435$11,949
201011<10––
2009202177$3,122,760$17,643
2008859315$12,178,984$38,663
20072819$526,924$27,733
20061714$113,657$8,118
2005711409$11,103,126$27,147
20046255$589,552$10,719
20036146$344,953$7,499
2002288216$2,993,573$13,859
2001526462$10,442,829$22,604
1999122111$1,605,731$14,466
19987153$400,144$7,550
19971614$72,735$5,195
19956453$463,796$8,751
19931813$54,587$4,199
1992201164$1,398,898$8,530
1991132119$991,923$8,335
19906457$237,640$4,169
19851,1741,067$13,715,867$12,855
19841810$26,547$2,655
19833525$101,513$4,061
19821512$24,014$2,001
19811210$14,039$1,404
1980144116$399,080$3,440
19796251$126,114$2,473

From 2016 to 2026: 1,035 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 Lafourche Parish

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

Main NFIP communities in the county

Unincorporated Lafourche Parish (7,201 home policies) · Thibodaux (324 home policies) · Golden Meadow (174 home policies) · Lockport (156 home policies)