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Flood insurance cost · St. Mary Parish, LA

Flood insurance cost in St. Mary Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,455 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,324a year

Half of insured homes paid between $1,135 and $2,254. That is 18% more than the Louisiana median ($1,119). Most insured homes here are rated in zone AE (50%).

$0$1,135 · $1,324 · $2,254$2,818
+18.3% vs Aug 31, 2025 (median $1,119)
2,455home policies in force
$1,774average cost (mean)
59%of insured homes in high-risk zones (A, V)
$177,000median 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. Mary 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		$4,660$3,522–$5,934$4,81744 (2%)+9.9%
Zone AE
High risk		$2,046$1,390–$2,784$2,1901,231 (50%)+10.4%
Zone A
High risk		$1,392$1,168–$1,755$1,64174 (3%)+14.5%
Zone AO
High risk, shallow		$1,676$986–$2,476$1,75048 (2%)+1.6%
Zone AH
High risk, shallow		$1,056$834–$1,388$1,31448 (2%)+17.9%
Zone X
Moderate to low risk		$1,191$1,079–$1,266$1,1681,010 (41%)+14.9%

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

Type of buildingPoliciesMedianAverage
Single-family home2,191$1,325$1,806
2–4 unit building173$1,477$1,733
Manufactured (mobile) home90$882$1,103
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.		33$3,170$3,368
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		361$4,402$5,880

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

2,849NFIP policies in force, any building
2,849insured units (condo association policies count every unit)
68%of home policies also cover contents
$67,000median contents coverage, when bought

One year on: St. Mary 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 force2,7062,455−9.3%
Median annual cost$1,119$1,324+18.3%
Average annual cost$1,555$1,774+14.1%
All policies in force (any building)3,1212,849−8.7%

How many homes have flood insurance?

12.4%of all homes in St. Mary Parish have an NFIP policy
26.3%of homes in high-risk zones (special flood hazard area) have one
20,439residential buildings counted by FEMA
5,751of 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. Mary Parish, Louisiana have filed 2,533 flood claims. 1,898 received a payment, for a total of $37.2 million (an average of $19,597 per paid claim). The year with the most claims was 2008 (330 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 22 claims, 20 paid, $24,443 in total1979: 108 claims, 89 paid, $311,705 in total1980: 149 claims, 115 paid, $332,833 in total19801982: 17 claims, 14 paid, $33,738 in total1983: 61 claims, 41 paid, $210,959 in total1984: 95 claims, 68 paid, $544,288 in total1985: 61 claims, 48 paid, $474,383 in total1987: 12 claims1988: 75 claims, 52 paid, $159,825 in total1989: 37 claims, 25 paid, $30,081 in total19901991: 70 claims, 55 paid, $292,810 in total1992: 157 claims, 108 paid, $767,022 in total1995: 49 claims, 36 paid, $345,498 in total1996: 21 claims, 17 paid, $70,009 in total1997: 75 claims, 55 paid, $388,033 in total1998: 31 claims, 24 paid, $281,241 in total20002001: 99 claims, 81 paid, $724,103 in total2002: 230 claims, 168 paid, $2,763,020 in total20022003: 14 claims2005: 303 claims, 239 paid, $10,428,169 in total20052008: 330 claims, 246 paid, $7,036,207 in total20082009: 43 claims, 36 paid, $597,920 in total20102011: 46 claims, 32 paid, $699,938 in total2012: 10 claims2013: 31 claims, 27 paid, $301,272 in total2017: 29 claims, 16 paid, $315,269 in total2019: 94 claims, 74 paid, $3,046,794 in total2020: 50 claims, 39 paid, $1,271,708 in total20202021: 17 claims2024: 117 claims, 99 paid, $5,231,908 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 (30)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202411799$5,231,908$52,848
202117<10––
20205039$1,271,708$32,608
20199474$3,046,794$41,173
20172916$315,269$19,704
20133127$301,272$11,158
201210<10––
20114632$699,938$21,873
20094336$597,920$16,609
2008330246$7,036,207$28,602
2005303239$10,428,169$43,633
200314<10––
2002230168$2,763,020$16,447
20019981$724,103$8,940
19983124$281,241$11,718
19977555$388,033$7,055
19962117$70,009$4,118
19954936$345,498$9,597
1992157108$767,022$7,102
19917055$292,810$5,324
19893725$30,081$1,203
19887552$159,825$3,074
198712<10––
19856148$474,383$9,883
19849568$544,288$8,004
19836141$210,959$5,145
19821714$33,738$2,410
1980149115$332,833$2,894
197910889$311,705$3,502
19782220$24,443$1,222

From 2016 to 2026: 307 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. Mary Parish

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

Main NFIP communities in the county

Morgan City (869 home policies) · Unincorporated St. Mary Parish (722 home policies) · Franklin (356 home policies) · Berwick (312 home policies) · Patterson (161 home policies) · Baldwin (31 home policies)