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Flood insurance cost · ZIP 70607 · LA

Flood insurance cost in ZIP 70607 (unincorporated Calcasieu Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,605 home policies in force on August 31, 2026.

ZIP code 70607 (unincorporated Calcasieu Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,266a year

Half of insured homes paid between $1,113 and $1,627. That is about the same as the Calcasieu Parish median ($1,266). Most insured homes here are rated in zone X (54%).

$0$1,113 · $1,266 · $1,627$2,034
+16.8% vs Aug 31, 2025 (median $1,084)
1,605home policies in force
$1,532average cost (mean)
46%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 70607

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		$1,934$1,508–$3,604$3,01411 (1%)+21.2%
Zone AE
High risk		$1,610$1,230–$2,133$1,924657 (41%)+13.5%
Zone A
High risk		$1,365$1,098–$1,739$1,55975 (5%)+7.1%
Zone X
Moderate to low risk		$1,214$1,084–$1,267$1,212862 (54%)+15.3%

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 70607, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,456$1,266$1,527
2–4 unit building31$1,519$1,384
Manufactured (mobile) home117$1,420$1,644
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.		24$1,392$2,002
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		133$3,740$4,272

Not shown (fewer than 10 policies): condo or apartment unit.

1,762NFIP policies in force, any building
1,762insured units (condo association policies count every unit)
81%of home policies also cover contents
$94,000median contents coverage, when bought

One year on: ZIP code 70607

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 force1,8031,605−11.0%
Median annual cost$1,084$1,266+16.8%
Average annual cost$1,344$1,532+14.0%
All policies in force (any building)2,0151,762−12.6%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70607 have filed 2,259 flood claims. 1,836 received a payment, for a total of $70.9 million (an average of $38,596 per paid claim). The year with the most claims was 2020 (710 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 17 claims, 17 paid, $62,115 in total1980: 84 claims, 82 paid, $854,961 in total198019901996: 10 claims20002002: 19 claims, 17 paid, $243,128 in total2005: 432 claims, 250 paid, $11,951,945 in total20052006: 10 claims2008: 391 claims, 358 paid, $17,445,374 in total2009: 19 claims, 17 paid, $362,692 in total20102014: 33 claims, 22 paid, $482,556 in total2017: 28 claims, 19 paid, $747,574 in total2019: 20 claims, 18 paid, $676,270 in total2020: 710 claims, 585 paid, $15,077,758 in total202020202021: 409 claims, 388 paid, $22,399,828 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 (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2021409388$22,399,828$57,732
2020710585$15,077,758$25,774
20192018$676,270$37,571
20172819$747,574$39,346
20143322$482,556$21,934
20091917$362,692$21,335
2008391358$17,445,374$48,730
200610<10––
2005432250$11,951,945$47,808
20021917$243,128$14,302
199610<10––
19808482$854,961$10,426
19791717$62,115$3,654

From 2016 to 2026: 1,167 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 Calcasieu Parish (694 home policies) · Lake Charles (509 home policies) · Unincorporated Cameron Parish (402 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.