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Flood insurance cost · ZIP 71202 · LA

Flood insurance cost in ZIP 71202 (Monroe, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 706 home policies in force on August 31, 2026.

ZIP code 71202 (Monroe, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$585a year

Half of insured homes paid between $483 and $675. That is 4% less than the Ouachita Parish median ($607). Most insured homes here are rated in zone AE (54%).

$0$483 · $585 · $675$844
+2.6% vs Aug 31, 2025 (median $570)
706home policies in force
$614average cost (mean)
75%of insured homes in high-risk zones (A, V)
$120,500median 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 71202

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		$554$459–$643$564381 (54%)+3.4%
Zone A
High risk		$664$638–$777$82247 (7%)−0.6%
Zone AO
High risk, shallow		$570$474–$645$577100 (14%)+1.2%
Zone X
Moderate to low risk		$640$530–$782$688178 (25%)+2.6%

Not shown (fewer than 10 home policies): VE, 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 71202, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home642$575$598
2–4 unit building53$655$831
Manufactured (mobile) home11$445$507
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		69$852$913

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

779NFIP policies in force, any building
779insured units (condo association policies count every unit)
68%of home policies also cover contents
$42,000median contents coverage, when bought

One year on: ZIP code 71202

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 force718706−1.7%
Median annual cost$570$585+2.6%
Average annual cost$594$614+3.4%
All policies in force (any building)794779−1.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 71202 have filed 1,790 flood claims. 1,508 received a payment, for a total of $34.2 million (an average of $22,695 per paid claim). The year with the most claims was 2016 (478 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 44 claims, 44 paid, $390,833 in total19801982: 128 claims, 121 paid, $904,098 in total1983: 69 claims, 50 paid, $255,584 in total1987: 11 claims1989: 172 claims, 133 paid, $1,035,743 in total1990: 13 claims, 10 paid, $34,218 in total19901991: 286 claims, 242 paid, $2,551,777 in total19911998: 10 claims1999: 45 claims, 29 paid, $220,894 in total20002008: 205 claims, 183 paid, $5,036,060 in total20082009: 11 claims20102011: 187 claims, 155 paid, $3,342,676 in total2016: 478 claims, 437 paid, $18,798,695 in total20162019: 11 claims, 10 paid, $217,590 in total2020: 13 claims, 11 paid, $267,020 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 (15)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20201311$267,020$24,275
20191110$217,590$21,759
2016478437$18,798,695$43,018
2011187155$3,342,676$21,566
200911<10––
2008205183$5,036,060$27,519
19994529$220,894$7,617
199810<10––
1991286242$2,551,777$10,545
19901310$34,218$3,422
1989172133$1,035,743$7,788
198711<10––
19836950$255,584$5,112
1982128121$904,098$7,472
19784444$390,833$8,883

From 2016 to 2026: 502 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

Monroe (456 home policies) · Unincorporated Ouachita Parish (246 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.