Flood insurance cost · Natchitoches Parish, LA

Flood insurance cost in Natchitoches Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 546 home policies in force on August 31, 2026.

Natchitoches Parish, LouisianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$592a year

Half of insured homes paid between $446 and $840. That is 47% less than the Louisiana median ($1,119). Most insured homes here are rated in zone A (51%).

$0$446 · $592 · $840$1,050

−0.2% vs Aug 31, 2025 (median $593)

546home policies in force

$732average cost (mean)

78%of insured homes in high-risk zones (A, V)

$206,500median 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 Natchitoches 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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$530	$425–$617	$535	144 (26%)	+3.7%
Zone A High risk	$656	$463–$1,175	$863	280 (51%)	+1.4%
Zone X Moderate to low risk	$575	$463–$718	$663	122 (22%)	+1.8%

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 Natchitoches Parish, by what they insure.

Type of building	Policies	Median	Average
Single-family home	470	$598	$749
Manufactured (mobile) home	65	$479	$610
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	44	$707	$1,215

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

593NFIP policies in force, any building

593insured units (condo association policies count every unit)

53%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: Natchitoches 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, 2025	Aug 31, 2026	Change
Home policies in force	571	546	−4.4%
Median annual cost	$593	$592	−0.2%
Average annual cost	$699	$732	+4.7%
All policies in force (any building)	623	593	−4.8%

How many homes have flood insurance?

3.3%of all homes in Natchitoches Parish have an NFIP policy

18.7%of homes in high-risk zones (special flood hazard area) have one

16,345residential buildings counted by FEMA

2,223of 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 Natchitoches Parish, Louisiana have filed 541 flood claims. 429 received a payment, for a total of $9,858,518 (an average of $22,980 per paid claim). The year with the most claims was 2016 (127 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (12)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2016	127	109	$5,558,753	$50,998
2015	15	13	$470,279	$36,175
2012	22	17	$393,689	$23,158
2006	14	13	$252,084	$19,391
2001	21	16	$223,559	$13,972
1999	82	54	$610,981	$11,314
1997	10	<10	–	–
1995	14	12	$106,374	$8,864
1991	60	55	$624,897	$11,362
1990	25	23	$217,858	$9,472
1989	61	50	$677,392	$13,548
1983	10	<10	–	–

From 2016 to 2026: 127 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 Natchitoches Parish

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

ZIP 71457 · unincorporated Natchitoches Parishmedian $562 · 380 homes

Main NFIP communities in the county

Unincorporated Natchitoches Parish (377 home policies) · Natchitoches (116 home policies) · Clarence (43 home policies)