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Flood insurance cost · Pointe Coupee Parish, LA

Flood insurance cost in Pointe Coupee Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,224 home policies in force on August 31, 2026.

Pointe Coupee Parish, LouisianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$457a year

Half of insured homes paid between $404 and $577. That is 59% less than the Louisiana median ($1,119). The most common flood zone for insured homes here is zone X (47%).

$0$404 · $457 · $577$721
+1.6% vs Aug 31, 2025 (median $450)
1,224home policies in force
$503average cost (mean)
53%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.

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

Cost by flood zone in Pointe Coupee 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		$443$388–$573$47986 (7%)+1.4%
Zone A
High risk		$471$393–$605$519557 (46%)+2.4%
Zone X
Moderate to low risk		$452$411–$545$492581 (47%)+0.9%

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 Pointe Coupee Parish, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,143$457$504
Manufactured (mobile) home69$471$498
Condo or apartment unit10$466$453
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		57$697$729

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

1,285NFIP policies in force, any building
1,285insured units (condo association policies count every unit)
76%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Pointe Coupee 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 force1,2411,224−1.4%
Median annual cost$450$457+1.6%
Average annual cost$495$503+1.6%
All policies in force (any building)1,3081,285−1.8%

How many homes have flood insurance?

11.2%of all homes in Pointe Coupee Parish have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
10,928residential 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 Pointe Coupee Parish, Louisiana have filed 1,913 flood claims. 1,687 received a payment, for a total of $26.1 million (an average of $15,480 per paid claim). The year with the most claims was 2016 (183 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001979: 81 claims, 78 paid, $453,961 in total1980: 90 claims, 77 paid, $215,629 in total19801982: 27 claims, 23 paid, $113,830 in total1983: 163 claims, 141 paid, $946,989 in total19831984: 59 claims, 52 paid, $172,076 in total1985: 47 claims, 41 paid, $105,377 in total1989: 90 claims, 78 paid, $508,834 in total1990: 120 claims, 112 paid, $504,715 in total19901991: 110 claims, 101 paid, $537,818 in total1993: 72 claims, 63 paid, $383,255 in total1994: 57 claims, 56 paid, $511,150 in total1995: 56 claims, 50 paid, $464,638 in total1996: 33 claims, 28 paid, $180,870 in total1997: 103 claims, 101 paid, $1,849,462 in total1998: 39 claims, 32 paid, $292,525 in total1999: 31 claims, 27 paid, $255,154 in total20002001: 27 claims, 21 paid, $235,876 in total2002: 42 claims, 36 paid, $478,391 in total2003: 14 claims, 13 paid, $187,901 in total2004: 54 claims, 46 paid, $606,290 in total2005: 24 claims, 20 paid, $601,044 in total2006: 10 claims2008: 139 claims, 112 paid, $3,488,330 in total20082009: 23 claims, 22 paid, $679,462 in total2010: 10 claims20102011: 52 claims, 51 paid, $1,631,481 in total2013: 14 claims, 11 paid, $242,619 in total2015: 14 claims, 13 paid, $255,781 in total2016: 183 claims, 159 paid, $5,629,536 in total20162017: 50 claims, 46 paid, $2,149,991 in total2019: 16 claims, 14 paid, $578,885 in total2020
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 (31)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20191614$578,885$41,349
20175046$2,149,991$46,739
2016183159$5,629,536$35,406
20151413$255,781$19,675
20131411$242,619$22,056
20115251$1,631,481$31,990
201010<10––
20092322$679,462$30,885
2008139112$3,488,330$31,146
200610<10––
20052420$601,044$30,052
20045446$606,290$13,180
20031413$187,901$14,454
20024236$478,391$13,289
20012721$235,876$11,232
19993127$255,154$9,450
19983932$292,525$9,141
1997103101$1,849,462$18,312
19963328$180,870$6,460
19955650$464,638$9,293
19945756$511,150$9,128
19937263$383,255$6,083
1991110101$537,818$5,325
1990120112$504,715$4,506
19899078$508,834$6,524
19854741$105,377$2,570
19845952$172,076$3,309
1983163141$946,989$6,716
19822723$113,830$4,949
19809077$215,629$2,800
19798178$453,961$5,820

From 2016 to 2026: 249 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.

Main NFIP communities in the county

Unincorporated Pointe Coupee Parish (1,001 home policies) · New Roads (161 home policies) · Livonia (34 home policies) · Morganza (16 home policies)