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Flood insurance cost · ZIP 70578 · LA

Flood insurance cost in ZIP 70578 (unincorporated Acadia Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 599 home policies in force on August 31, 2026.

ZIP code 70578 (unincorporated Acadia Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,001a year

Half of insured homes paid between $768 and $1,196. That is 15% less than the Acadia Parish median ($1,182). The most common flood zone for insured homes here is zone X (45%).

$0$768 · $1,001 · $1,196$1,495
+8.2% vs Aug 31, 2025 (median $925)
599home policies in force
$1,007average cost (mean)
55%of insured homes in high-risk zones (A, V)
$200,000median 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 70578

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		$847$700–$1,357$1,03816 (3%)−1.9%
Zone A
High risk		$1,016$812–$1,254$1,092224 (37%)+8.5%
Zone AH
High risk, shallow		$603$369–$742$60088 (15%)+6.0%
Zone X
Moderate to low risk		$1,080$919–$1,226$1,068271 (45%)+16.0%

Not shown (fewer than 10 home policies): VE, 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 70578, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home518$1,020$1,047
2–4 unit building31$368$494
Manufactured (mobile) home50$890$920
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		31$2,248$2,754

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

631NFIP policies in force, any building
631insured units (condo association policies count every unit)
66%of home policies also cover contents
$80,000median contents coverage, when bought

One year on: ZIP code 70578

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 force615599−2.6%
Median annual cost$925$1,001+8.2%
Average annual cost$930$1,007+8.3%
All policies in force (any building)650631−2.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70578 have filed 375 flood claims. 316 received a payment, for a total of $14.9 million (an average of $47,146 per paid claim). The year with the most claims was 2016 (159 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001980: 35 claims, 33 paid, $249,066 in total198019801982: 10 claims19901993: 19 claims, 14 paid, $55,006 in total20002005: 18 claims, 12 paid, $136,712 in total20102013: 21 claims, 18 paid, $815,358 in total2016: 159 claims, 143 paid, $8,338,397 in total201620202025: 60 claims, 58 paid, $4,782,140 in total2025
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 (7)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20256058$4,782,140$82,451
2016159143$8,338,397$58,310
20132118$815,358$45,298
20051812$136,712$11,393
19931914$55,006$3,929
198210<10––
19803533$249,066$7,547

From 2016 to 2026: 219 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

Unincorporated Acadia Parish (216 home policies) · Rayne (214 home policies) · Lafayette City- Parish Consolidated Government (132 home policies) · Unincorporated Vermilion Parish (37 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.