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Flood insurance cost · St. Charles Parish, LA

Flood insurance cost in St. Charles Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 9,850 home policies in force on August 31, 2026.

St. Charles Parish, LouisianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,231a year

Half of insured homes paid between $1,081 and $1,357. That is 10% more than the Louisiana median ($1,119). The most common flood zone for insured homes here is zone A99 / AR (40%).

$0$1,081 · $1,231 · $1,357$1,696
+15.8% vs Aug 31, 2025 (median $1,063)
9,850home policies in force
$1,352average cost (mean)
72%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 St. Charles 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		$1,627$1,258–$2,229$1,8202,551 (26%)+12.3%
Zone A
High risk		$1,052$906–$1,262$1,75022 (0%)+5.4%
Zone AH
High risk, shallow		$1,167$1,100–$1,362$1,365558 (6%)+16.6%
Zone A99 / AR
High risk, levee areas		$1,152$1,059–$1,263$1,1583,960 (40%)+12.4%
Zone X
Moderate to low risk		$1,185$1,077–$1,264$1,1922,759 (28%)+12.9%

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

Type of buildingPoliciesMedianAverage
Single-family home9,585$1,232$1,354
2–4 unit building129$1,187$1,504
Manufactured (mobile) home91$1,096$1,301
Condo or apartment unit45$615$650
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.		46$1,345$2,111
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		503$2,539$3,524
10,399NFIP policies in force, any building
10,417insured units (condo association policies count every unit)
92%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: St. Charles 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 force10,2199,850−3.6%
Median annual cost$1,063$1,231+15.8%
Average annual cost$1,194$1,352+13.2%
All policies in force (any building)10,79410,399−3.7%

How many homes have flood insurance?

55.7%of all homes in St. Charles Parish have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
17,783residential 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 St. Charles Parish, Louisiana have filed 7,570 flood claims. 5,295 received a payment, for a total of $161.2 million (an average of $30,447 per paid claim). The year with the most claims was 1995 (2,035 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 26 claims, 22 paid, $78,427 in total1979: 13 claims, 11 paid, $33,634 in total1980: 85 claims, 71 paid, $286,021 in total19801983: 49 claims, 40 paid, $136,512 in total1985: 52 claims, 44 paid, $503,151 in total1988: 30 claims, 25 paid, $99,477 in total1989: 684 claims, 623 paid, $14,718,795 in total1990: 50 claims, 41 paid, $86,164 in total19901991: 37 claims, 25 paid, $157,597 in total1992: 14 claims1994: 13 claims1995: 2,035 claims, 1,921 paid, $55,833,486 in total19951996: 13 claims1998: 74 claims, 57 paid, $500,042 in total20002001: 50 claims, 27 paid, $154,490 in total2002: 171 claims, 118 paid, $2,109,069 in total2004: 289 claims, 263 paid, $6,393,003 in total2005: 1,797 claims, 534 paid, $13,253,848 in total20052007: 10 claims2008: 80 claims, 36 paid, $725,181 in total2009: 111 claims, 100 paid, $2,114,189 in total20102011: 14 claims2012: 189 claims, 64 paid, $1,609,284 in total2015: 15 claims2016: 14 claims2017: 16 claims, 11 paid, $245,980 in total2018: 71 claims, 63 paid, $2,335,653 in total2020: 402 claims, 366 paid, $21,664,880 in total20202021: 746 claims, 441 paid, $22,663,956 in total20212024: 221 claims, 197 paid, $9,917,125 in total2025: 22 claims2026: 119 claims, 103 paid, $4,598,751 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 (32)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2026119103$4,598,751$44,648
202522<10––
2024221197$9,917,125$50,341
2021746441$22,663,956$51,392
2020402366$21,664,880$59,194
20187163$2,335,653$37,074
20171611$245,980$22,362
201614<10––
201515<10––
201218964$1,609,284$25,145
201114<10––
2009111100$2,114,189$21,142
20088036$725,181$20,144
200710<10––
20051,797534$13,253,848$24,820
2004289263$6,393,003$24,308
2002171118$2,109,069$17,873
20015027$154,490$5,722
19987457$500,042$8,773
199613<10––
19952,0351,921$55,833,486$29,065
199413<10––
199214<10––
19913725$157,597$6,304
19905041$86,164$2,102
1989684623$14,718,795$23,626
19883025$99,477$3,979
19855244$503,151$11,435
19834940$136,512$3,413
19808571$286,021$4,028
19791311$33,634$3,058
19782622$78,427$3,565

From 2016 to 2026: 1,611 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 St. Charles Parish

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

Main NFIP communities in the county

Unincorporated St. Charles Parish (9,840 home policies)