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Flood insurance cost · St. Landry Parish, LA

Flood insurance cost in St. Landry Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,198 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$904a year

Half of insured homes paid between $586 and $1,234. That is 19% less than the Louisiana median ($1,119). The most common flood zone for insured homes here is zone AE (40%).

$0$586 · $904 · $1,234$1,542
+5.1% vs Aug 31, 2025 (median $860)
2,198home policies in force
$983average cost (mean)
72%of insured homes in high-risk zones (A, V)
$178,000median 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 St. Landry Parish.

Cost by flood zone in St. Landry 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		$938$571–$1,372$1,057877 (40%)+5.4%
Zone A
High risk		$848$515–$1,257$959696 (32%)+6.4%
Zone AO
High risk, shallow		$596$421–$638$55013 (1%)+1.7%
Zone X
Moderate to low risk		$932$664–$1,087$915612 (28%)+5.3%

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

Type of buildingPoliciesMedianAverage
Single-family home1,770$912$989
2–4 unit building145$1,309$1,323
Manufactured (mobile) home282$650$774
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.		19$2,567$2,857
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		144$1,268$1,930

Not shown (fewer than 10 policies): condo or apartment unit.

2,361NFIP policies in force, any building
2,361insured units (condo association policies count every unit)
55%of home policies also cover contents
$71,000median contents coverage, when bought

One year on: St. Landry 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 force2,3302,198−5.7%
Median annual cost$860$904+5.1%
Average annual cost$927$983+6.0%
All policies in force (any building)2,5152,361−6.1%

How many homes have flood insurance?

6.3%of all homes in St. Landry Parish have an NFIP policy
23.6%of homes in high-risk zones (special flood hazard area) have one
35,132residential buildings counted by FEMA
6,777of 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. Landry Parish, Louisiana have filed 982 flood claims. 787 received a payment, for a total of $22.1 million (an average of $28,104 per paid claim). The year with the most claims was 2016 (304 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 26 claims, 23 paid, $122,474 in total1980: 38 claims, 33 paid, $129,689 in total19801982: 23 claims, 18 paid, $129,996 in total1983: 44 claims, 39 paid, $237,875 in total1985: 11 claims, 10 paid, $31,103 in total1988: 21 claims, 16 paid, $133,592 in total1989: 13 claims, 13 paid, $134,134 in total1990: 14 claims, 11 paid, $40,632 in total19901991: 11 claims, 10 paid, $57,855 in total20002002: 17 claims2003: 15 claims, 14 paid, $312,134 in total2004: 37 claims, 30 paid, $344,106 in total2005: 21 claims, 11 paid, $457,434 in total2006: 39 claims, 35 paid, $1,413,814 in total2008: 35 claims, 21 paid, $196,324 in total20102011: 10 claims2012: 77 claims, 60 paid, $2,219,414 in total20122013: 86 claims, 74 paid, $2,073,516 in total20132016: 304 claims, 259 paid, $11,866,062 in total20162017: 15 claims, 12 paid, $460,788 in total2019: 13 claims2020: 13 claims2020
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 (22)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202013<10––
201913<10––
20171512$460,788$38,399
2016304259$11,866,062$45,815
20138674$2,073,516$28,020
20127760$2,219,414$36,990
201110<10––
20083521$196,324$9,349
20063935$1,413,814$40,395
20052111$457,434$41,585
20043730$344,106$11,470
20031514$312,134$22,295
200217<10––
19911110$57,855$5,786
19901411$40,632$3,694
19891313$134,134$10,318
19882116$133,592$8,350
19851110$31,103$3,110
19834439$237,875$6,099
19822318$129,996$7,222
19803833$129,689$3,930
19792623$122,474$5,325

From 2016 to 2026: 345 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. Landry Parish

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

Main NFIP communities in the county

Unincorporated St. Landry Parish (1,495 home policies) · Eunice (274 home policies) · Opelousas (162 home policies) · Port Barre (58 home policies) · Sunset (49 home policies) · Krotz Springs (42 home policies)