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Flood insurance cost · ZIP 70601 · LA

Flood insurance cost in ZIP 70601 (Lake Charles, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,233 home policies in force on August 31, 2026.

ZIP code 70601 (Lake Charles, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,306a year

Half of insured homes paid between $1,138 and $1,911. That is 3% more than the Calcasieu Parish median ($1,266). The most common flood zone for insured homes here is zone X (50%).

$0$1,138 · $1,306 · $1,911$2,389
+17.9% vs Aug 31, 2025 (median $1,108)
1,233home policies in force
$1,688average cost (mean)
50%of insured homes in high-risk zones (A, V)
$249,000median 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 70601

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		$1,786$1,358–$2,513$2,126476 (39%)+14.9%
Zone A
High risk		$1,930$1,540–$2,606$2,089146 (12%)+8.2%
Zone X
Moderate to low risk		$1,247$1,122–$1,278$1,251611 (50%)+17.0%

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 70601, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,148$1,291$1,656
2–4 unit building80$1,924$2,203
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.		28$2,611$3,943
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		225$5,288$5,920

Not shown (fewer than 10 policies): manufactured (mobile) home, condo or apartment unit.

1,486NFIP policies in force, any building
1,506insured units (condo association policies count every unit)
76%of home policies also cover contents
$94,000median contents coverage, when bought

One year on: ZIP code 70601

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 force1,3811,233−10.7%
Median annual cost$1,108$1,306+17.9%
Average annual cost$1,484$1,688+13.7%
All policies in force (any building)1,6581,486−10.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70601 have filed 1,957 flood claims. 1,530 received a payment, for a total of $58.4 million (an average of $38,173 per paid claim). The year with the most claims was 1980 (340 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 90 claims, 87 paid, $369,299 in total1980: 340 claims, 327 paid, $4,202,829 in total198019801982: 97 claims, 82 paid, $907,631 in total1983: 13 claims1984: 23 claims, 15 paid, $59,322 in total1985: 32 claims, 26 paid, $204,939 in total1989: 128 claims, 118 paid, $1,743,400 in total1990: 11 claims19901991: 33 claims, 24 paid, $127,504 in total1995: 33 claims, 30 paid, $232,823 in total1998: 24 claims, 18 paid, $170,754 in total20002001: 14 claims, 10 paid, $70,682 in total2002: 12 claims2005: 221 claims, 109 paid, $8,923,221 in total2006: 19 claims, 16 paid, $238,619 in total2008: 243 claims, 220 paid, $23,023,180 in total200820102012: 12 claims2014: 17 claims, 11 paid, $267,704 in total2016: 20 claims, 13 paid, $290,196 in total2017: 31 claims, 21 paid, $606,389 in total2019: 18 claims, 17 paid, $241,866 in total2020: 220 claims, 115 paid, $5,366,099 in total20202021: 230 claims, 196 paid, $10,733,675 in total2021
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 (23)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2021230196$10,733,675$54,764
2020220115$5,366,099$46,662
20191817$241,866$14,227
20173121$606,389$28,876
20162013$290,196$22,323
20141711$267,704$24,337
201212<10––
2008243220$23,023,180$104,651
20061916$238,619$14,914
2005221109$8,923,221$81,864
200212<10––
20011410$70,682$7,068
19982418$170,754$9,486
19953330$232,823$7,761
19913324$127,504$5,313
199011<10––
1989128118$1,743,400$14,775
19853226$204,939$7,882
19842315$59,322$3,955
198313<10––
19829782$907,631$11,069
1980340327$4,202,829$12,853
19799087$369,299$4,245

From 2016 to 2026: 519 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

Lake Charles (1,226 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.