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Flood insurance cost · Washington Parish, LA

Flood insurance cost in Washington Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 494 home policies in force on August 31, 2026.

Washington Parish, LouisianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,087a year

Half of insured homes paid between $830 and $1,388. That is 3% less than the Louisiana median ($1,119). The most common flood zone for insured homes here is zone A (47%).

$0$830 · $1,087 · $1,388$1,735
+10.7% vs Aug 31, 2025 (median $982)
494home policies in force
$1,222average cost (mean)
77%of insured homes in high-risk zones (A, V)
$181,500median 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 Washington 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		$1,173$826–$1,474$1,253149 (30%)+8.9%
Zone A
High risk		$1,112$852–$1,502$1,312230 (47%)+6.7%
Zone X
Moderate to low risk		$1,041$787–$1,217$1,002115 (23%)+12.9%

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

Type of buildingPoliciesMedianAverage
Single-family home459$1,087$1,220
Manufactured (mobile) home29$885$1,184
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		54$1,728$2,015

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit, whole residential building (5+ units or condo association).

550NFIP policies in force, any building
550insured units (condo association policies count every unit)
62%of home policies also cover contents
$53,000median contents coverage, when bought

One year on: Washington 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 force528494−6.4%
Median annual cost$982$1,087+10.7%
Average annual cost$1,123$1,222+8.8%
All policies in force (any building)583550−5.7%

How many homes have flood insurance?

2.5%of all homes in Washington Parish have an NFIP policy
21.0%of homes in high-risk zones (special flood hazard area) have one
19,657residential buildings counted by FEMA
1,821of 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 Washington Parish, Louisiana have filed 672 flood claims. 536 received a payment, for a total of $15.5 million (an average of $28,923 per paid claim). The year with the most claims was 2016 (176 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001980: 19 claims, 14 paid, $64,550 in total19801983: 53 claims, 43 paid, $591,646 in total19831990: 43 claims, 38 paid, $318,524 in total19901991: 10 claims, 10 paid, $73,395 in total1993: 23 claims, 18 paid, $69,455 in total1994: 20 claims, 16 paid, $89,029 in total20002001: 18 claims, 14 paid, $188,157 in total2005: 52 claims, 21 paid, $706,508 in total2009: 28 claims, 22 paid, $623,077 in total20102012: 64 claims, 53 paid, $1,642,958 in total20122016: 176 claims, 156 paid, $7,969,644 in total20162018: 46 claims, 45 paid, $2,073,392 in total20202021: 14 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 (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202114<10––
20184645$2,073,392$46,075
2016176156$7,969,644$51,087
20126453$1,642,958$30,999
20092822$623,077$28,322
20055221$706,508$33,643
20011814$188,157$13,440
19942016$89,029$5,564
19932318$69,455$3,859
19911010$73,395$7,340
19904338$318,524$8,382
19835343$591,646$13,759
19801914$64,550$4,611

From 2016 to 2026: 236 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.

Main NFIP communities in the county

Unincorporated Washington Parish (358 home policies) · Bogalusa (79 home policies) · Franklinton (40 home policies)