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Flood insurance cost · ZIP 70592 · LA

Flood insurance cost in ZIP 70592 (Youngsville, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,663 home policies in force on August 31, 2026.

ZIP code 70592 (Youngsville, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,077a year

Half of insured homes paid between $878 and $1,238. That is 4% more than the Lafayette Parish median ($1,031). Most insured homes here are rated in zone X (59%).

$0$878 · $1,077 · $1,238$1,548
+13.4% vs Aug 31, 2025 (median $950)
2,663home policies in force
$1,077average cost (mean)
41%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 ZIP code 70592

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		$1,206$1,068–$1,351$1,257585 (22%)+12.4%
Zone A
High risk		$1,047$827–$1,223$1,066508 (19%)+10.2%
Zone X
Moderate to low risk		$1,032$844–$1,183$1,0141,570 (59%)+10.8%

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 ZIP code 70592, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,553$1,081$1,081
Manufactured (mobile) home104$962$1,014
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		86$1,952$2,150

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

2,757NFIP policies in force, any building
2,757insured units (condo association policies count every unit)
88%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 70592

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 force2,8802,663−7.5%
Median annual cost$950$1,077+13.4%
Average annual cost$993$1,077+8.5%
All policies in force (any building)2,9812,757−7.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70592 have filed 836 flood claims. 757 received a payment, for a total of $42.1 million (an average of $55,659 per paid claim). The year with the most claims was 2016 (463 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 10 claims19801984: 22 claims, 22 paid, $263,175 in total19901993: 22 claims, 21 paid, $208,211 in total1995: 21 claims, 20 paid, $194,216 in total20002001: 128 claims, 119 paid, $3,584,752 in total20012002: 13 claims2005: 11 claims20102016: 463 claims, 433 paid, $34,310,531 in total20162017: 14 claims, 12 paid, $402,721 in total2019: 13 claims2020: 21 claims, 18 paid, $634,140 in total20202021: 13 claims2025: 25 claims, 24 paid, $1,133,803 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 (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20252524$1,133,803$47,242
202113<10––
20202118$634,140$35,230
201913<10––
20171412$402,721$33,560
2016463433$34,310,531$79,239
200511<10––
200213<10––
2001128119$3,584,752$30,124
19952120$194,216$9,711
19932221$208,211$9,915
19842222$263,175$11,962
197910<10––

From 2016 to 2026: 549 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

Youngsville (1,342 home policies) · Lafayette City- Parish Consolidated Government (1,083 home policies) · Broussard (146 home policies) · Unincorporated Vermilion Parish (74 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.