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Flood insurance cost · Plaquemines Parish, LA

Flood insurance cost in Plaquemines Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,756 home policies in force on August 31, 2026.

Plaquemines 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 $1,081 and $1,312. That is 10% more than the Louisiana median ($1,119). The most common flood zone for insured homes here is zone AE (50%).

$0$1,081 · $1,233 · $1,312$1,640
+16.8% vs Aug 31, 2025 (median $1,056)
3,756home policies in force
$1,486average cost (mean)
56%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 Plaquemines 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		$1,458$1,170–$2,921$2,505162 (4%)+14.8%
Zone AE
High risk		$1,209$1,025–$1,732$1,6051,870 (50%)+15.1%
Zone A99 / AR
High risk, levee areas		$955$754–$1,167$98886 (2%)+13.7%
Zone X
Moderate to low risk		$1,248$1,084–$1,266$1,2761,634 (44%)+15.7%

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

Type of buildingPoliciesMedianAverage
Single-family home3,079$1,235$1,565
2–4 unit building138$1,282$1,585
Manufactured (mobile) home524$876$997
Condo or apartment unit15$1,357$1,622
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.		36$1,302$1,907
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		566$4,962$5,397
4,358NFIP policies in force, any building
4,358insured units (condo association policies count every unit)
89%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Plaquemines 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 force4,0293,756−6.8%
Median annual cost$1,056$1,233+16.8%
Average annual cost$1,321$1,486+12.5%
All policies in force (any building)4,6724,358−6.7%

How many homes have flood insurance?

51.1%of all homes in Plaquemines Parish have an NFIP policy
52.9%of homes in high-risk zones (special flood hazard area) have one
7,449residential buildings counted by FEMA
4,062of 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 Plaquemines Parish, Louisiana have filed 6,095 flood claims. 4,888 received a payment, for a total of $382.0 million (an average of $78,153 per paid claim). The year with the most claims was 2005 (3,732 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 10 claims1979: 23 claims, 20 paid, $83,303 in total1980: 39 claims, 25 paid, $100,744 in total19801983: 200 claims, 152 paid, $761,728 in total1985: 71 claims, 63 paid, $699,776 in total1988: 10 claims1989: 61 claims, 55 paid, $441,441 in total1990: 29 claims, 21 paid, $118,371 in total19901991: 55 claims, 51 paid, $212,187 in total1992: 41 claims, 36 paid, $344,959 in total1995: 12 claims1997: 64 claims, 51 paid, $759,700 in total1998: 78 claims, 61 paid, $1,589,036 in total20002001: 15 claims, 12 paid, $66,965 in total2002: 102 claims, 77 paid, $1,353,119 in total2003: 38 claims, 37 paid, $449,402 in total2004: 35 claims, 28 paid, $886,269 in total2005: 3,732 claims, 3,041 paid, $255,352,380 in total20052008: 149 claims, 87 paid, $1,851,014 in total2009: 10 claims20102011: 35 claims, 21 paid, $551,186 in total2012: 780 claims, 638 paid, $94,193,837 in total20122019: 10 claims2020: 38 claims, 26 paid, $1,197,227 in total20202021: 383 claims, 295 paid, $17,602,758 in total20212024: 12 claims, 10 paid, $415,997 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 (26)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241210$415,997$41,600
2021383295$17,602,758$59,670
20203826$1,197,227$46,047
201910<10––
2012780638$94,193,837$147,639
20113521$551,186$26,247
200910<10––
200814987$1,851,014$21,276
20053,7323,041$255,352,380$83,970
20043528$886,269$31,652
20033837$449,402$12,146
200210277$1,353,119$17,573
20011512$66,965$5,580
19987861$1,589,036$26,050
19976451$759,700$14,896
199512<10––
19924136$344,959$9,582
19915551$212,187$4,161
19902921$118,371$5,637
19896155$441,441$8,026
198810<10––
19857163$699,776$11,108
1983200152$761,728$5,011
19803925$100,744$4,030
19792320$83,303$4,165
197810<10––

From 2016 to 2026: 443 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 Plaquemines Parish

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

Main NFIP communities in the county

Unincorporated Plaquemines Parish (3,753 home policies)