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Flood insurance cost · ZIP 70669 · LA

Flood insurance cost in ZIP 70669 (unincorporated Calcasieu Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 385 home policies in force on August 31, 2026.

ZIP code 70669 (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 $1,084 and $1,781. That is about the same as the Calcasieu Parish median ($1,266). The most common flood zone for insured homes here is zone AE (49%).

$0$1,084 · $1,266 · $1,781$2,226
+16.9% vs Aug 31, 2025 (median $1,083)
385home policies in force
$1,574average cost (mean)
54%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 70669

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		$1,648$1,237–$2,426$1,940190 (49%)+15.1%
Zone A
High risk		$1,253$1,134–$1,594$1,35817 (4%)+4.9%
Zone X
Moderate to low risk		$1,188$1,081–$1,266$1,204178 (46%)+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 70669, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home375$1,266$1,579
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.		17$1,720$2,432
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		33$3,520$4,327

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit.

435NFIP policies in force, any building
435insured units (condo association policies count every unit)
77%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 70669

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 force434385−11.3%
Median annual cost$1,083$1,266+16.9%
Average annual cost$1,374$1,574+14.6%
All policies in force (any building)481435−9.6%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70669 have filed 534 flood claims. 416 received a payment, for a total of $13.5 million (an average of $32,506 per paid claim). The year with the most claims was 2008 (87 claims). Amounts are in dollars of the time, not adjusted for inflation.

02550751001980: 19 claims, 18 paid, $217,148 in total19801982: 43 claims, 38 paid, $692,005 in total1989: 64 claims, 61 paid, $962,776 in total198919901995: 11 claims20002001: 10 claims2005: 86 claims, 44 paid, $3,039,583 in total20052006: 38 claims, 34 paid, $745,262 in total2008: 87 claims, 70 paid, $3,334,435 in total200820102017: 50 claims, 45 paid, $1,341,872 in total2020: 31 claims, 18 paid, $2,032,568 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 (10)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20203118$2,032,568$112,920
20175045$1,341,872$29,819
20088770$3,334,435$47,635
20063834$745,262$21,919
20058644$3,039,583$69,081
200110<10––
199511<10––
19896461$962,776$15,783
19824338$692,005$18,211
19801918$217,148$12,064

From 2016 to 2026: 81 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 (215 home policies) · Westlake (170 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.