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Flood insurance cost · Livingston Parish, LA

Flood insurance cost in Livingston Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 13,570 home policies in force on August 31, 2026.

Livingston Parish, LouisianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,233a year

Half of insured homes paid between $1,018 and $1,578. That is 10% more than the Louisiana median ($1,119). Most insured homes here are rated in zone AE (61%).

$0$1,018 · $1,233 · $1,578$1,972
+13.5% vs Aug 31, 2025 (median $1,086)
13,570home policies in force
$1,361average cost (mean)
72%of insured homes in high-risk zones (A, V)
$234,000median 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 Livingston 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		$1,319$990–$1,731$1,4538,276 (61%)+4.8%
Zone A
High risk		$1,292$1,005–$1,671$1,3931,477 (11%)+6.3%
Zone X
Moderate to low risk		$1,086$1,070–$1,264$1,1473,817 (28%)+16.5%

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 Livingston Parish, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home12,374$1,241$1,385
2–4 unit building156$1,134$1,269
Manufactured (mobile) home994$1,006$1,092
Condo or apartment unit46$702$800
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.		79$2,689$3,181
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		1,010$2,679$3,016
14,659NFIP policies in force, any building
14,762insured units (condo association policies count every unit)
69%of home policies also cover contents
$80,000median contents coverage, when bought

One year on: Livingston 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 force14,69913,570−7.7%
Median annual cost$1,086$1,233+13.5%
Average annual cost$1,272$1,361+7.0%
All policies in force (any building)15,81314,659−7.3%

How many homes have flood insurance?

26.6%of all homes in Livingston Parish have an NFIP policy
38.6%of homes in high-risk zones (special flood hazard area) have one
51,509residential buildings counted by FEMA
25,438of 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 Livingston Parish, Louisiana have filed 14,656 flood claims. 12,887 received a payment, for a total of $835.5 million (an average of $64,836 per paid claim). The year with the most claims was 2016 (7,872 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1979: 193 claims, 171 paid, $738,791 in total1980: 139 claims, 119 paid, $300,444 in total19801982: 10 claims1983: 980 claims, 932 paid, $15,240,931 in total19831984: 13 claims1985: 192 claims, 167 paid, $1,637,595 in total1986: 10 claims1987: 13 claims1988: 16 claims1989: 14 claims1990: 428 claims, 393 paid, $6,288,972 in total19901991: 162 claims, 139 paid, $802,157 in total1992: 118 claims, 90 paid, $580,452 in total1993: 391 claims, 357 paid, $3,501,146 in total1994: 92 claims, 81 paid, $653,894 in total1995: 175 claims, 150 paid, $1,216,644 in total1996: 63 claims, 49 paid, $440,672 in total1997: 50 claims, 34 paid, $309,579 in total1998: 231 claims, 194 paid, $2,183,884 in total2000: 10 claims20002001: 602 claims, 490 paid, $7,093,421 in total2002: 232 claims, 157 paid, $2,113,376 in total2003: 52 claims, 39 paid, $256,071 in total2004: 181 claims, 164 paid, $1,983,394 in total2005: 295 claims, 201 paid, $4,946,669 in total2006: 16 claims, 10 paid, $202,229 in total2007: 13 claims, 13 paid, $172,656 in total2008: 425 claims, 332 paid, $7,400,125 in total2009: 21 claims, 10 paid, $49,741 in total20102011: 125 claims, 104 paid, $2,057,991 in total2012: 795 claims, 634 paid, $20,051,511 in total20122013: 60 claims, 38 paid, $570,485 in total2015: 39 claims, 24 paid, $394,741 in total2016: 7,872 claims, 7,287 paid, $737,980,516 in total20162017: 34 claims, 10 paid, $340,831 in total2019: 174 claims, 148 paid, $6,210,213 in total2020: 22 claims, 17 paid, $668,649 in total20202021: 340 claims, 258 paid, $8,311,319 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 (38)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2021340258$8,311,319$32,214
20202217$668,649$39,332
2019174148$6,210,213$41,961
20173410$340,831$34,083
20167,8727,287$737,980,516$101,274
20153924$394,741$16,448
20136038$570,485$15,013
2012795634$20,051,511$31,627
2011125104$2,057,991$19,788
20092110$49,741$4,974
2008425332$7,400,125$22,290
20071313$172,656$13,281
20061610$202,229$20,223
2005295201$4,946,669$24,610
2004181164$1,983,394$12,094
20035239$256,071$6,566
2002232157$2,113,376$13,461
2001602490$7,093,421$14,476
200010<10––
1998231194$2,183,884$11,257
19975034$309,579$9,105
19966349$440,672$8,993
1995175150$1,216,644$8,111
19949281$653,894$8,073
1993391357$3,501,146$9,807
199211890$580,452$6,449
1991162139$802,157$5,771
1990428393$6,288,972$16,002
198914<10––
198816<10––
198713<10––
198610<10––
1985192167$1,637,595$9,806
198413<10––
1983980932$15,240,931$16,353
198210<10––
1980139119$300,444$2,525
1979193171$738,791$4,320

From 2016 to 2026: 8,442 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 Livingston Parish

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

Main NFIP communities in the county

Unincorporated Livingston Parish (10,659 home policies) · Denham Springs (1,476 home policies) · Walker (833 home policies) · Killian (195 home policies) · French Settlement (125 home policies) · Port Vincent (99 home policies)