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Flood insurance cost · Vermilion Parish, LA

Flood insurance cost in Vermilion Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 4,124 home policies in force on August 31, 2026.

Vermilion Parish, LouisianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,270a year

Half of insured homes paid between $1,083 and $1,869. That is 13% more than the Louisiana median ($1,119). Most insured homes here are rated in zone AE (54%).

$0$1,083 · $1,270 · $1,869$2,336
+16.8% vs Aug 31, 2025 (median $1,087)
4,124home policies in force
$1,663average cost (mean)
70%of insured homes in high-risk zones (A, V)
$187,000median 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 Vermilion 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		$1,606$1,123–$2,382$2,026364 (9%)+12.0%
Zone AE
High risk		$1,612$1,202–$2,288$1,9142,236 (54%)+14.3%
Zone A
High risk		$1,274$1,011–$1,744$1,536196 (5%)+13.9%
Zone AH
High risk, shallow		$937$774–$1,336$1,082107 (3%)+13.4%
Zone X
Moderate to low risk		$1,116$1,066–$1,263$1,1661,220 (30%)+17.5%

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 Vermilion Parish, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,692$1,277$1,697
2–4 unit building108$1,394$1,606
Manufactured (mobile) home322$1,146$1,297
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.		40$1,678$2,789
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		266$3,252$5,138

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

4,430NFIP policies in force, any building
4,430insured units (condo association policies count every unit)
68%of home policies also cover contents
$63,000median contents coverage, when bought

One year on: Vermilion 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 force4,5074,124−8.5%
Median annual cost$1,087$1,270+16.8%
Average annual cost$1,462$1,663+13.7%
All policies in force (any building)4,8224,430−8.1%

How many homes have flood insurance?

25.3%of all homes in Vermilion Parish have an NFIP policy
48.8%of homes in high-risk zones (special flood hazard area) have one
16,400residential buildings counted by FEMA
5,924of 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 Vermilion Parish, Louisiana have filed 4,814 flood claims. 4,178 received a payment, for a total of $187.5 million (an average of $44,878 per paid claim). The year with the most claims was 2005 (1,565 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 25 claims, 24 paid, $42,220 in total1979: 23 claims, 16 paid, $25,091 in total1980: 52 claims, 45 paid, $414,983 in total19801984: 165 claims, 140 paid, $1,932,199 in total1985: 35 claims, 28 paid, $312,775 in total1989: 24 claims, 18 paid, $82,678 in total19901991: 43 claims, 33 paid, $203,846 in total1993: 22 claims, 21 paid, $226,105 in total1995: 55 claims, 50 paid, $933,881 in total1997: 14 claims, 11 paid, $90,006 in total1998: 30 claims, 21 paid, $340,004 in total1999: 31 claims, 30 paid, $364,292 in total20002001: 246 claims, 220 paid, $5,548,749 in total2002: 74 claims, 51 paid, $743,215 in total2005: 1,565 claims, 1,404 paid, $74,148,920 in total20052006: 24 claims, 23 paid, $436,228 in total2007: 19 claims, 14 paid, $375,931 in total2008: 1,073 claims, 935 paid, $42,320,062 in total20082010: 11 claims20102013: 47 claims, 38 paid, $898,156 in total2015: 12 claims2016: 966 claims, 867 paid, $54,810,871 in total20162017: 10 claims2018: 14 claims2020: 139 claims, 98 paid, $1,964,158 in total20202021: 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 (26)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202112<10––
202013998$1,964,158$20,042
201814<10––
201710<10––
2016966867$54,810,871$63,219
201512<10––
20134738$898,156$23,636
201011<10––
20081,073935$42,320,062$45,262
20071914$375,931$26,852
20062423$436,228$18,966
20051,5651,404$74,148,920$52,813
20027451$743,215$14,573
2001246220$5,548,749$25,222
19993130$364,292$12,143
19983021$340,004$16,191
19971411$90,006$8,182
19955550$933,881$18,678
19932221$226,105$10,767
19914333$203,846$6,177
19892418$82,678$4,593
19853528$312,775$11,171
1984165140$1,932,199$13,801
19805245$414,983$9,222
19792316$25,091$1,568
19782524$42,220$1,759

From 2016 to 2026: 1,141 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 Vermilion Parish

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

Main NFIP communities in the county

Unincorporated Vermilion Parish (2,896 home policies) · Abbeville (405 home policies) · Erath (279 home policies) · Delcambre (197 home policies) · Kaplan (189 home policies) · Maurice (100 home policies)