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Flood insurance cost · West Baton Rouge Parish, LA

Flood insurance cost in West Baton Rouge Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,227 home policies in force on August 31, 2026.

West Baton Rouge Parish, LouisianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$592a year

Half of insured homes paid between $517 and $719. That is 47% less than the Louisiana median ($1,119). Most insured homes here are rated in zone X (79%).

$0$517 · $592 · $719$899
+1.7% vs Aug 31, 2025 (median $582)
1,227home policies in force
$637average cost (mean)
21%of insured homes in high-risk zones (A, V)
$250,000median 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 West Baton Rouge 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		$776$588–$1,007$81054 (4%)+4.4%
Zone A
High risk		$582$494–$694$622203 (17%)+3.0%
Zone X
Moderate to low risk		$591$519–$711$631970 (79%)+1.7%

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 West Baton Rouge Parish, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,188$591$636
2–4 unit building12$790$797
Manufactured (mobile) home27$615$610
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		79$935$1,179

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

1,309NFIP policies in force, any building
1,309insured units (condo association policies count every unit)
91%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: West Baton Rouge 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 force1,3201,227−7.0%
Median annual cost$582$592+1.7%
Average annual cost$624$637+2.1%
All policies in force (any building)1,4041,309−6.8%

How many homes have flood insurance?

12.2%of all homes in West Baton Rouge Parish have an NFIP policy
42.9%of homes in high-risk zones (special flood hazard area) have one
10,105residential buildings counted by FEMA
597of 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 West Baton Rouge Parish, Louisiana have filed 285 flood claims. 220 received a payment, for a total of $7,441,221 (an average of $33,824 per paid claim). The year with the most claims was 1980 (34 claims). Amounts are in dollars of the time, not adjusted for inflation.

0102030401979: 23 claims, 21 paid, $81,162 in total1980: 34 claims, 24 paid, $84,215 in total198019801983: 19 claims, 17 paid, $102,653 in total199020002008: 29 claims, 10 paid, $324,320 in total20082010: 14 claims, 13 paid, $305,680 in total20102016: 26 claims, 21 paid, $734,205 in total20162019: 12 claims, 11 paid, $706,249 in total20202021: 18 claims, 11 paid, $896,308 in total2022: 11 claims, 11 paid, $917,410 in total2025: 22 claims, 21 paid, $2,082,593 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 (10)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20252221$2,082,593$99,171
20221111$917,410$83,401
20211811$896,308$81,483
20191211$706,249$64,204
20162621$734,205$34,962
20101413$305,680$23,514
20082910$324,320$32,432
19831917$102,653$6,038
19803424$84,215$3,509
19792321$81,162$3,865

From 2016 to 2026: 89 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 West Baton Rouge Parish

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

Main NFIP communities in the county

Unincorporated West Baton Rouge Parish (822 home policies) · Addis (154 home policies) · Brusly (150 home policies) · Port Allen (96 home policies)