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Flood insurance cost · ZIP 70501 · LA

Flood insurance cost in ZIP 70501 (Lafayette, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 538 home policies in force on August 31, 2026.

ZIP code 70501 (Lafayette, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,085a year

Half of insured homes paid between $825 and $1,309. That is 5% more than the Lafayette Parish median ($1,031). Most insured homes here are rated in zone AE (51%).

$0$825 · $1,085 · $1,309$1,636
+16.4% vs Aug 31, 2025 (median $932)
538home policies in force
$1,201average cost (mean)
60%of insured homes in high-risk zones (A, V)
$165,000median 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 ZIP code 70501

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		$1,267$988–$1,617$1,445275 (51%)+7.9%
Zone AH
High risk, shallow		$683$614–$750$72245 (8%)+14.0%
Zone X
Moderate to low risk		$979$793–$1,184$988214 (40%)+9.6%

Not shown (fewer than 10 home policies): VE, A, 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 ZIP code 70501, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home479$1,067$1,191
2–4 unit building40$1,404$1,405
Condo or apartment unit10$965$959
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.		13$3,763$3,599
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		56$2,180$2,421

Not shown (fewer than 10 policies): manufactured (mobile) home.

607NFIP policies in force, any building
651insured units (condo association policies count every unit)
70%of home policies also cover contents
$60,000median contents coverage, when bought

One year on: ZIP code 70501

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 force619538−13.1%
Median annual cost$932$1,085+16.4%
Average annual cost$1,066$1,201+12.7%
All policies in force (any building)694607−12.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70501 have filed 416 flood claims. 341 received a payment, for a total of $8,856,424 (an average of $25,972 per paid claim). The year with the most claims was 2016 (82 claims). Amounts are in dollars of the time, not adjusted for inflation.

02550751001979: 14 claims, 12 paid, $19,044 in total1980: 45 claims, 40 paid, $152,775 in total198019801985: 13 claims, 10 paid, $69,978 in total19901991: 14 claims, 13 paid, $145,074 in total1993: 19 claims, 17 paid, $144,551 in total1995: 19 claims, 18 paid, $185,296 in total20002002: 12 claims2008: 24 claims, 21 paid, $546,838 in total20102016: 82 claims, 62 paid, $2,251,473 in total20162019: 31 claims, 29 paid, $1,203,340 in total20202021: 35 claims, 32 paid, $1,726,607 in total20212025: 14 claims, 14 paid, $1,465,979 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 (12)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20251414$1,465,979$104,713
20213532$1,726,607$53,956
20193129$1,203,340$41,494
20168262$2,251,473$36,314
20082421$546,838$26,040
200212<10––
19951918$185,296$10,294
19931917$144,551$8,503
19911413$145,074$11,160
19851310$69,978$6,998
19804540$152,775$3,819
19791412$19,044$1,587

From 2016 to 2026: 162 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.

NFIP communities in this ZIP code

Lafayette (420 home policies) · Lafayette City- Parish Consolidated Government (117 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.