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Flood insurance cost · ZIP 70663 · LA

Flood insurance cost in ZIP 70663 (Sulphur, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,215 home policies in force on August 31, 2026.

ZIP code 70663 (Sulphur, 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 $1,083 and $1,640. That is about the same as the Calcasieu Parish median ($1,266). Most insured homes here are rated in zone AE (53%).

$0$1,083 · $1,261 · $1,640$2,050
+16.7% vs Aug 31, 2025 (median $1,081)
1,215home policies in force
$1,458average cost (mean)
54%of insured homes in high-risk zones (A, V)
$226,000median 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 70663

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		$1,508$1,146–$2,004$1,684647 (53%)+8.2%
Zone X
Moderate to low risk		$1,208$1,081–$1,264$1,196561 (46%)+18.3%

Not shown (fewer than 10 home policies): VE, A, 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 70663, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,156$1,261$1,479
2–4 unit building13$1,116$1,288
Manufactured (mobile) home46$855$980
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		105$3,403$4,197

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

1,329NFIP policies in force, any building
1,329insured units (condo association policies count every unit)
71%of home policies also cover contents
$99,000median contents coverage, when bought

One year on: ZIP code 70663

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 force1,3251,215−8.3%
Median annual cost$1,081$1,261+16.7%
Average annual cost$1,288$1,458+13.2%
All policies in force (any building)1,4511,329−8.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70663 have filed 953 flood claims. 763 received a payment, for a total of $17.5 million (an average of $22,929 per paid claim). The year with the most claims was 2017 (154 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001979: 21 claims, 17 paid, $45,046 in total1980: 47 claims, 45 paid, $364,547 in total19801982: 24 claims, 22 paid, $204,833 in total1987: 21 claims, 19 paid, $181,259 in total1989: 41 claims, 38 paid, $335,331 in total19901991: 16 claims, 15 paid, $80,470 in total1998: 20 claims, 19 paid, $95,667 in total20002001: 29 claims, 20 paid, $299,579 in total2002: 10 claims2004: 30 claims, 28 paid, $314,053 in total2005: 120 claims, 45 paid, $1,792,257 in total20052006: 134 claims, 123 paid, $2,541,862 in total20062008: 74 claims, 68 paid, $3,348,702 in total20102013: 37 claims, 37 paid, $1,051,638 in total2016: 21 claims, 16 paid, $278,694 in total2017: 154 claims, 138 paid, $4,514,924 in total20172019: 10 claims2020: 63 claims, 38 paid, $960,282 in total2020
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 (18)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20206338$960,282$25,271
201910<10––
2017154138$4,514,924$32,717
20162116$278,694$17,418
20133737$1,051,638$28,423
20087468$3,348,702$49,246
2006134123$2,541,862$20,666
200512045$1,792,257$39,828
20043028$314,053$11,216
200210<10––
20012920$299,579$14,979
19982019$95,667$5,035
19911615$80,470$5,365
19894138$335,331$8,824
19872119$181,259$9,540
19822422$204,833$9,311
19804745$364,547$8,101
19792117$45,046$2,650

From 2016 to 2026: 248 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

Sulphur (830 home policies) · Unincorporated Calcasieu Parish (384 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.