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Flood insurance cost · ZIP 70615 · LA

Flood insurance cost in ZIP 70615 (unincorporated Calcasieu Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 647 home policies in force on August 31, 2026.

ZIP code 70615 (unincorporated Calcasieu Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,261a year

Half of insured homes paid between $1,062 and $1,663. That is about the same as the Calcasieu Parish median ($1,266). Most insured homes here are rated in zone AE (55%).

$0$1,062 · $1,261 · $1,663$2,079
+16.3% vs Aug 31, 2025 (median $1,084)
647home policies in force
$1,434average cost (mean)
65%of insured homes in high-risk zones (A, V)
$183,000median 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 70615

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		$1,394$1,033–$1,918$1,548356 (55%)+2.5%
Zone A
High risk		$1,296$1,030–$1,696$1,46265 (10%)+6.4%
Zone X
Moderate to low risk		$1,243$1,083–$1,269$1,246226 (35%)+17.7%

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 70615, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home528$1,267$1,484
2–4 unit building24$1,490$1,668
Manufactured (mobile) home95$1,037$1,096
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		136$2,729$3,250

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

784NFIP policies in force, any building
784insured units (condo association policies count every unit)
66%of home policies also cover contents
$60,000median contents coverage, when bought

One year on: ZIP code 70615

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 force688647−6.0%
Median annual cost$1,084$1,261+16.3%
Average annual cost$1,285$1,434+11.6%
All policies in force (any building)845784−7.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70615 have filed 906 flood claims. 714 received a payment, for a total of $27.7 million (an average of $38,728 per paid claim). The year with the most claims was 2020 (249 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001980: 45 claims, 44 paid, $601,754 in total19801982: 10 claims1989: 23 claims, 21 paid, $556,913 in total199020002001: 19 claims, 16 paid, $182,287 in total2002: 23 claims, 17 paid, $403,605 in total2004: 10 claims2005: 86 claims, 31 paid, $866,410 in total2006: 26 claims, 24 paid, $345,306 in total2008: 34 claims, 28 paid, $682,369 in total20102017: 108 claims, 91 paid, $4,519,360 in total20172020: 249 claims, 187 paid, $10,781,892 in total202020202021: 209 claims, 194 paid, $8,178,918 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 (12)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2021209194$8,178,918$42,159
2020249187$10,781,892$57,657
201710891$4,519,360$49,663
20083428$682,369$24,370
20062624$345,306$14,388
20058631$866,410$27,949
200410<10––
20022317$403,605$23,741
20011916$182,287$11,393
19892321$556,913$26,520
198210<10––
19804544$601,754$13,676

From 2016 to 2026: 566 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 (385 home policies) · Lake Charles (262 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.