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Flood insurance cost · Terrebonne Parish, LA

Flood insurance cost in Terrebonne Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 10,662 home policies in force on August 31, 2026.

Terrebonne Parish, LouisianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,400a year

Half of insured homes paid between $1,199 and $1,840. That is 25% more than the Louisiana median ($1,119). Most insured homes here are rated in zone AE (63%).

$0$1,199 · $1,400 · $1,840$2,300
+16.7% vs Aug 31, 2025 (median $1,200)
10,662home policies in force
$1,638average cost (mean)
67%of insured homes in high-risk zones (A, V)
$204,000median 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 Terrebonne Parish.

Cost by flood zone in Terrebonne 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		$1,762$1,260–$2,311$1,90353 (0%)+12.2%
Zone AE
High risk		$1,468$1,188–$2,191$1,7986,685 (63%)+7.2%
Zone A
High risk		$1,610$1,316–$1,920$1,735257 (2%)+11.0%
Zone AH
High risk, shallow		$1,500$983–$2,644$1,844156 (1%)+14.6%
Zone X
Moderate to low risk		$1,363$1,200–$1,405$1,3113,511 (33%)+16.7%

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

Type of buildingPoliciesMedianAverage
Single-family home9,912$1,401$1,650
2–4 unit building179$1,707$1,831
Manufactured (mobile) home555$1,238$1,377
Condo or apartment unit16$1,096$1,019
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.		92$1,796$3,833
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		939$4,118$5,007
11,693NFIP policies in force, any building
11,693insured units (condo association policies count every unit)
65%of home policies also cover contents
$89,000median contents coverage, when bought

One year on: Terrebonne 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 force11,36910,662−6.2%
Median annual cost$1,200$1,400+16.7%
Average annual cost$1,482$1,638+10.5%
All policies in force (any building)12,44911,693−6.1%

How many homes have flood insurance?

32.1%of all homes in Terrebonne Parish have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
33,598residential 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 Terrebonne Parish, Louisiana have filed 13,510 flood claims. 11,146 received a payment, for a total of $326.7 million (an average of $29,315 per paid claim). The year with the most claims was 2005 (2,921 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1979: 14 claims, 12 paid, $89,419 in total1980: 70 claims, 53 paid, $409,446 in total19801981: 12 claims1982: 12 claims, 10 paid, $14,242 in total1983: 16 claims, 10 paid, $30,310 in total1985: 1,588 claims, 1,483 paid, $21,204,678 in total1988: 22 claims, 13 paid, $99,603 in total1990: 10 claims19901991: 301 claims, 261 paid, $3,998,750 in total1992: 1,728 claims, 1,539 paid, $22,939,785 in total19921994: 19 claims, 14 paid, $343,822 in total1995: 33 claims, 22 paid, $253,376 in total1997: 36 claims, 28 paid, $727,652 in total1998: 254 claims, 204 paid, $2,933,110 in total1999: 51 claims, 46 paid, $700,680 in total2000: 40 claims, 29 paid, $144,752 in total20002001: 192 claims, 147 paid, $2,170,224 in total2002: 1,500 claims, 1,304 paid, $30,264,930 in total2003: 167 claims, 129 paid, $1,475,038 in total2004: 50 claims, 43 paid, $1,971,524 in total2005: 2,921 claims, 2,484 paid, $111,035,600 in total20052006: 10 claims2008: 2,878 claims, 2,282 paid, $96,256,602 in total20082009: 352 claims, 324 paid, $8,228,404 in total20102011: 68 claims, 50 paid, $1,574,332 in total2012: 215 claims, 166 paid, $3,128,970 in total2013: 20 claims, 12 paid, $127,862 in total2014: 10 claims2015: 21 claims, 13 paid, $224,729 in total2016: 13 claims2017: 31 claims, 18 paid, $453,443 in total2018: 12 claims2019: 85 claims, 71 paid, $2,635,173 in total2020: 68 claims, 60 paid, $2,209,034 in total20202021: 467 claims, 140 paid, $4,007,040 in total2024: 53 claims, 31 paid, $1,033,964 in total2026: 99 claims, 81 paid, $4,387,497 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 (37)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20269981$4,387,497$54,167
20245331$1,033,964$33,354
2021467140$4,007,040$28,622
20206860$2,209,034$36,817
20198571$2,635,173$37,115
201812<10––
20173118$453,443$25,191
201613<10––
20152113$224,729$17,287
201410<10––
20132012$127,862$10,655
2012215166$3,128,970$18,849
20116850$1,574,332$31,487
2009352324$8,228,404$25,396
20082,8782,282$96,256,602$42,181
200610<10––
20052,9212,484$111,035,600$44,700
20045043$1,971,524$45,849
2003167129$1,475,038$11,434
20021,5001,304$30,264,930$23,209
2001192147$2,170,224$14,763
20004029$144,752$4,991
19995146$700,680$15,232
1998254204$2,933,110$14,378
19973628$727,652$25,988
19953322$253,376$11,517
19941914$343,822$24,559
19921,7281,539$22,939,785$14,906
1991301261$3,998,750$15,321
199010<10––
19882213$99,603$7,662
19851,5881,483$21,204,678$14,299
19831610$30,310$3,031
19821210$14,242$1,424
198112<10––
19807053$409,446$7,725
19791412$89,419$7,452

From 2016 to 2026: 828 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 Terrebonne Parish

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

Main NFIP communities in the county

Terrebonne Parish Consolidated Government (8,696 home policies) · Houma, City Of-Use Cid 225206 (1,953 home policies)