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Flood insurance cost · ZIP 71291 · LA

Flood insurance cost in ZIP 71291 (West Monroe, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 355 home policies in force on August 31, 2026.

ZIP code 71291 (West Monroe, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$772a year

Half of insured homes paid between $596 and $1,004. That is 27% more than the Ouachita Parish median ($607). The most common flood zone for insured homes here is zone AE (37%).

$0$596 · $772 · $1,004$1,255
+2.4% vs Aug 31, 2025 (median $754)
355home policies in force
$881average cost (mean)
69%of insured homes in high-risk zones (A, V)
$204,000median 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 71291

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		$725$612–$882$792133 (37%)+1.3%
Zone A
High risk		$897$688–$1,334$1,118111 (31%)+0.8%
Zone X
Moderate to low risk		$692$544–$928$750111 (31%)+0.9%

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 71291, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home320$774$884
2–4 unit building23$780$828
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.		21$2,092$2,180
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		61$1,029$1,216

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

437NFIP policies in force, any building
460insured units (condo association policies count every unit)
60%of home policies also cover contents
$80,000median contents coverage, when bought

One year on: ZIP code 71291

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 force374355−5.1%
Median annual cost$754$772+2.4%
Average annual cost$843$881+4.5%
All policies in force (any building)456437−4.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 71291 have filed 1,086 flood claims. 939 received a payment, for a total of $28.4 million (an average of $30,226 per paid claim). The year with the most claims was 1991 (191 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001978: 44 claims, 41 paid, $696,777 in total1979: 28 claims, 27 paid, $71,191 in total1980: 20 claims, 18 paid, $36,886 in total19801982: 110 claims, 97 paid, $1,788,573 in total1983: 19 claims, 13 paid, $91,785 in total1989: 126 claims, 113 paid, $2,300,131 in total19891990: 14 claims, 10 paid, $25,715 in total19901991: 191 claims, 169 paid, $3,646,786 in total19911993: 16 claims, 14 paid, $177,408 in total1995: 14 claims, 10 paid, $75,971 in total1998: 10 claims, 10 paid, $32,490 in total20002001: 20 claims, 16 paid, $313,530 in total2008: 29 claims, 26 paid, $1,160,456 in total2009: 36 claims, 28 paid, $748,214 in total20102011: 69 claims, 63 paid, $2,492,325 in total2014: 12 claims, 10 paid, $524,386 in total2016: 150 claims, 132 paid, $9,785,300 in total20162018: 26 claims, 23 paid, $997,524 in total2019: 38 claims, 34 paid, $2,082,372 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 (19)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20193834$2,082,372$61,246
20182623$997,524$43,371
2016150132$9,785,300$74,131
20141210$524,386$52,439
20116963$2,492,325$39,561
20093628$748,214$26,722
20082926$1,160,456$44,633
20012016$313,530$19,596
19981010$32,490$3,249
19951410$75,971$7,597
19931614$177,408$12,672
1991191169$3,646,786$21,579
19901410$25,715$2,572
1989126113$2,300,131$20,355
19831913$91,785$7,060
198211097$1,788,573$18,439
19802018$36,886$2,049
19792827$71,191$2,637
19784441$696,777$16,995

From 2016 to 2026: 214 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

West Monroe (202 home policies) · Unincorporated Ouachita Parish (150 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.