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Flood insurance cost · ZIP 70605 · LA

Flood insurance cost in ZIP 70605 (Lake Charles, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,695 home policies in force on August 31, 2026.

ZIP code 70605 (Lake Charles, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,267a year

Half of insured homes paid between $1,140 and $1,658. That is about the same as the Calcasieu Parish median ($1,266). Most insured homes here are rated in zone X (64%).

$0$1,140 · $1,267 · $1,658$2,072
+16.9% vs Aug 31, 2025 (median $1,084)
3,695home policies in force
$1,549average cost (mean)
36%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 70605

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 VE / V
High risk, coastal		$3,413$2,536–$4,721$3,75030 (1%)+12.7%
Zone AE
High risk		$1,756$1,474–$2,208$2,0001,251 (34%)+15.6%
Zone A
High risk		$1,673$1,518–$1,866$1,93550 (1%)+14.9%
Zone X
Moderate to low risk		$1,264$1,136–$1,269$1,2752,364 (64%)+16.8%

Not shown (fewer than 10 home policies): 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 70605, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,564$1,267$1,556
2–4 unit building66$1,363$1,487
Manufactured (mobile) home52$1,236$1,437
Condo or apartment unit13$393$533
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.		83$1,751$2,045
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		169$3,461$4,257
3,947NFIP policies in force, any building
3,947insured units (condo association policies count every unit)
89%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 70605

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 force4,1013,695−9.9%
Median annual cost$1,084$1,267+16.9%
Average annual cost$1,351$1,549+14.7%
All policies in force (any building)4,3513,947−9.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70605 have filed 2,620 flood claims. 2,087 received a payment, for a total of $112.4 million (an average of $53,864 per paid claim). The year with the most claims was 2021 (749 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 73 claims, 63 paid, $333,637 in total1980: 169 claims, 161 paid, $1,884,397 in total19801981: 15 claims, 11 paid, $48,994 in total1982: 48 claims, 36 paid, $210,247 in total1986: 11 claims1987: 22 claims, 19 paid, $39,219 in total1989: 31 claims, 25 paid, $226,675 in total19901997: 10 claims, 10 paid, $38,010 in total1998: 29 claims, 25 paid, $117,072 in total20002002: 37 claims, 30 paid, $487,820 in total2005: 426 claims, 198 paid, $10,352,297 in total20052006: 13 claims, 11 paid, $152,964 in total2008: 428 claims, 381 paid, $21,170,859 in total200820102014: 91 claims, 78 paid, $3,188,586 in total2016: 12 claims2017: 18 claims, 11 paid, $164,498 in total2019: 37 claims, 32 paid, $1,706,524 in total2020: 306 claims, 218 paid, $15,907,841 in total20202021: 749 claims, 698 paid, $55,925,290 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 (19)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2021749698$55,925,290$80,122
2020306218$15,907,841$72,972
20193732$1,706,524$53,329
20171811$164,498$14,954
201612<10––
20149178$3,188,586$40,879
2008428381$21,170,859$55,567
20061311$152,964$13,906
2005426198$10,352,297$52,284
20023730$487,820$16,261
19982925$117,072$4,683
19971010$38,010$3,801
19893125$226,675$9,067
19872219$39,219$2,064
198611<10––
19824836$210,247$5,840
19811511$48,994$4,454
1980169161$1,884,397$11,704
19797363$333,637$5,296

From 2016 to 2026: 1,122 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 (2,327 home policies) · Unincorporated Calcasieu Parish (1,367 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.