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Flood insurance cost · Ouachita Parish, LA

Flood insurance cost in Ouachita Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 4,177 home policies in force on August 31, 2026.

Ouachita Parish, LouisianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$607a year

Half of insured homes paid between $500 and $738. That is 46% less than the Louisiana median ($1,119). The most common flood zone for insured homes here is zone AE (46%).

$0$500 · $607 · $738$922
+2.7% vs Aug 31, 2025 (median $591)
4,177home policies in force
$660average cost (mean)
68%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 Ouachita 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		$610$503–$735$6361,905 (46%)+2.7%
Zone A
High risk		$812$626–$1,110$965396 (9%)+2.0%
Zone AO
High risk, shallow		$598$509–$689$607513 (12%)+2.6%
Zone AH
High risk, shallow		$575$499–$692$59613 (0%)+10.2%
Zone X
Moderate to low risk		$579$481–$696$6261,350 (32%)+1.4%

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

Type of buildingPoliciesMedianAverage
Single-family home3,836$594$646
2–4 unit building249$778$841
Manufactured (mobile) home76$797$797
Condo or apartment unit16$473$565
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.		103$1,196$1,333
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		429$938$1,116
4,709NFIP policies in force, any building
4,732insured units (condo association policies count every unit)
68%of home policies also cover contents
$80,500median contents coverage, when bought

One year on: Ouachita 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 force4,3274,177−3.5%
Median annual cost$591$607+2.7%
Average annual cost$639$660+3.3%
All policies in force (any building)4,8554,709−3.0%

How many homes have flood insurance?

7.5%of all homes in Ouachita Parish have an NFIP policy
46.7%of homes in high-risk zones (special flood hazard area) have one
57,152residential buildings counted by FEMA
6,209of 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 Ouachita Parish, Louisiana have filed 6,998 flood claims. 5,866 received a payment, for a total of $163.0 million (an average of $27,781 per paid claim). The year with the most claims was 2016 (1,765 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 373 claims, 355 paid, $4,860,218 in total1979: 101 claims, 78 paid, $244,309 in total1980: 59 claims, 42 paid, $240,611 in total19801982: 369 claims, 319 paid, $3,463,599 in total1983: 162 claims, 117 paid, $683,796 in total1984: 22 claims, 15 paid, $74,143 in total1985: 17 claims1987: 34 claims, 21 paid, $51,055 in total1988: 23 claims, 16 paid, $69,258 in total1989: 989 claims, 756 paid, $9,356,504 in total19891990: 38 claims, 28 paid, $90,404 in total19901991: 1,326 claims, 1,164 paid, $19,949,594 in total19911993: 17 claims, 14 paid, $177,408 in total1994: 18 claims, 11 paid, $51,532 in total1995: 31 claims, 20 paid, $142,501 in total1997: 24 claims, 18 paid, $170,460 in total1998: 23 claims, 15 paid, $69,855 in total1999: 81 claims, 58 paid, $563,961 in total2000: 16 claims20002001: 48 claims, 33 paid, $455,136 in total2002: 10 claims2003: 32 claims, 18 paid, $161,704 in total2004: 23 claims, 16 paid, $114,012 in total2005: 14 claims2006: 15 claims2008: 376 claims, 335 paid, $8,264,095 in total2009: 102 claims, 86 paid, $1,722,504 in total2010: 11 claims20102011: 584 claims, 508 paid, $13,420,686 in total2012: 17 claims, 12 paid, $64,202 in total2014: 24 claims, 17 paid, $608,764 in total2016: 1,765 claims, 1,569 paid, $89,873,023 in total20162017: 25 claims, 18 paid, $528,080 in total2018: 47 claims, 38 paid, $1,423,736 in total2019: 65 claims, 58 paid, $2,719,309 in total2020: 26 claims, 18 paid, $425,031 in total20202022: 13 claims2025: 28 claims, 23 paid, $1,470,874 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
20252823$1,470,874$63,951
202213<10––
20202618$425,031$23,613
20196558$2,719,309$46,885
20184738$1,423,736$37,467
20172518$528,080$29,338
20161,7651,569$89,873,023$57,280
20142417$608,764$35,810
20121712$64,202$5,350
2011584508$13,420,686$26,419
201011<10––
200910286$1,722,504$20,029
2008376335$8,264,095$24,669
200615<10––
200514<10––
20042316$114,012$7,126
20033218$161,704$8,984
200210<10––
20014833$455,136$13,792
200016<10––
19998158$563,961$9,723
19982315$69,855$4,657
19972418$170,460$9,470
19953120$142,501$7,125
19941811$51,532$4,685
19931714$177,408$12,672
19911,3261,164$19,949,594$17,139
19903828$90,404$3,229
1989989756$9,356,504$12,376
19882316$69,258$4,329
19873421$51,055$2,431
198517<10––
19842215$74,143$4,943
1983162117$683,796$5,844
1982369319$3,463,599$10,858
19805942$240,611$5,729
197910178$244,309$3,132
1978373355$4,860,218$13,691

From 2016 to 2026: 1,969 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 Ouachita Parish

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

Main NFIP communities in the county

Monroe (2,286 home policies) · Unincorporated Ouachita Parish (1,665 home policies) · West Monroe (206 home policies)