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Flood insurance cost · Rapides Parish, LA

Flood insurance cost in Rapides Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,629 home policies in force on August 31, 2026.

Rapides Parish, LouisianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$556a year

Half of insured homes paid between $458 and $696. That is 50% less than the Louisiana median ($1,119). The most common flood zone for insured homes here is zone AE (48%).

$0$458 · $556 · $696$870
+2.6% vs Aug 31, 2025 (median $542)
2,629home policies in force
$639average cost (mean)
59%of insured homes in high-risk zones (A, V)
$200,000median 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 Rapides 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		$562$446–$682$6171,257 (48%)+3.3%
Zone A
High risk		$571$451–$867$809297 (11%)+2.7%
Zone X
Moderate to low risk		$544$474–$703$6191,073 (41%)+1.5%

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 Rapides Parish, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,376$544$636
2–4 unit building114$697$728
Manufactured (mobile) home116$575$671
Condo or apartment unit23$353$403
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.		64$1,024$1,121
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		296$974$1,152
2,989NFIP policies in force, any building
3,005insured units (condo association policies count every unit)
63%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Rapides 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 force2,7222,629−3.4%
Median annual cost$542$556+2.6%
Average annual cost$620$639+3.1%
All policies in force (any building)3,0882,989−3.2%

How many homes have flood insurance?

5.1%of all homes in Rapides Parish have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
52,260residential 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 Rapides Parish, Louisiana have filed 4,266 flood claims. 3,728 received a payment, for a total of $69.5 million (an average of $18,639 per paid claim). The year with the most claims was 2008 (567 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 188 claims, 176 paid, $914,316 in total1980: 65 claims, 53 paid, $195,701 in total19801982: 239 claims, 208 paid, $1,506,185 in total1983: 139 claims, 95 paid, $329,203 in total1984: 150 claims, 121 paid, $610,597 in total1985: 21 claims, 14 paid, $49,613 in total1987: 372 claims, 339 paid, $3,780,658 in total19871988: 11 claims1989: 150 claims, 132 paid, $850,565 in total1990: 157 claims, 145 paid, $900,604 in total19901991: 290 claims, 275 paid, $2,515,083 in total1992: 21 claims, 18 paid, $65,401 in total1993: 35 claims, 34 paid, $153,054 in total1994: 128 claims, 119 paid, $760,499 in total1995: 80 claims, 69 paid, $495,315 in total1997: 176 claims, 162 paid, $2,388,646 in total1998: 45 claims, 37 paid, $231,727 in total1999: 70 claims, 68 paid, $766,486 in total20002001: 181 claims, 165 paid, $2,283,770 in total2002: 89 claims, 68 paid, $740,921 in total2003: 11 claims2005: 30 claims, 15 paid, $200,690 in total2008: 567 claims, 505 paid, $17,514,329 in total20082009: 34 claims, 29 paid, $453,216 in total20102011: 69 claims, 54 paid, $1,069,673 in total2012: 25 claims, 19 paid, $314,490 in total2013: 16 claims2015: 123 claims, 108 paid, $2,568,420 in total2016: 63 claims, 55 paid, $2,484,489 in total2017: 213 claims, 193 paid, $7,656,888 in total2018: 14 claims, 13 paid, $446,556 in total2019: 95 claims, 83 paid, $2,587,795 in total2020: 302 claims, 264 paid, $12,773,325 in total202020202021: 15 claims, 13 paid, $303,634 in total2024: 13 claims2026: 12 claims
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 (36)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202612<10––
202413<10––
20211513$303,634$23,356
2020302264$12,773,325$48,384
20199583$2,587,795$31,178
20181413$446,556$34,350
2017213193$7,656,888$39,673
20166355$2,484,489$45,173
2015123108$2,568,420$23,782
201316<10––
20122519$314,490$16,552
20116954$1,069,673$19,809
20093429$453,216$15,628
2008567505$17,514,329$34,682
20053015$200,690$13,379
200311<10––
20028968$740,921$10,896
2001181165$2,283,770$13,841
19997068$766,486$11,272
19984537$231,727$6,263
1997176162$2,388,646$14,745
19958069$495,315$7,178
1994128119$760,499$6,391
19933534$153,054$4,502
19922118$65,401$3,633
1991290275$2,515,083$9,146
1990157145$900,604$6,211
1989150132$850,565$6,444
198811<10––
1987372339$3,780,658$11,152
19852114$49,613$3,544
1984150121$610,597$5,046
198313995$329,203$3,465
1982239208$1,506,185$7,241
19806553$195,701$3,692
1979188176$914,316$5,195

From 2016 to 2026: 727 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 Rapides Parish

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

Main NFIP communities in the county

Unincorporated Rapides Parish (1,224 home policies) · Alexandria (1,177 home policies) · Pineville (120 home policies) · Woodworth (41 home policies) · Lecompte (25 home policies) · Ball (22 home policies)