Menu

Flood insurance cost · ZIP 71301 · LA

Flood insurance cost in ZIP 71301 (Alexandria, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 503 home policies in force on August 31, 2026.

ZIP code 71301 (Alexandria, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$584a year

Half of insured homes paid between $482 and $708. That is 5% more than the Rapides Parish median ($556). Most insured homes here are rated in zone AE (52%).

$0$482 · $584 · $708$885
+1.2% vs Aug 31, 2025 (median $577)
503home policies in force
$603average cost (mean)
53%of insured homes in high-risk zones (A, V)
$185,000median 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 71301

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		$570$471–$666$580264 (52%)+3.3%
Zone X
Moderate to low risk		$630$489–$740$627236 (47%)+1.4%

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 71301, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home493$588$606
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.		13$859$997
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		92$1,099$1,168

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

608NFIP policies in force, any building
624insured units (condo association policies count every unit)
62%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 71301

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 force513503−1.9%
Median annual cost$577$584+1.2%
Average annual cost$594$603+1.5%
All policies in force (any building)633608−3.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 71301 have filed 829 flood claims. 717 received a payment, for a total of $15.5 million (an average of $21,591 per paid claim). The year with the most claims was 2008 (182 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001979: 52 claims, 45 paid, $170,595 in total1980: 12 claims19801982: 62 claims, 50 paid, $308,880 in total1983: 20 claims, 16 paid, $31,153 in total1984: 58 claims, 51 paid, $308,982 in total1987: 137 claims, 124 paid, $1,384,714 in total19871989: 21 claims, 16 paid, $107,074 in total19901994: 14 claims, 13 paid, $47,725 in total20002002: 22 claims, 19 paid, $228,107 in total2008: 182 claims, 169 paid, $6,699,189 in total200820102015: 65 claims, 60 paid, $1,498,369 in total20152017: 44 claims, 41 paid, $1,637,500 in total2019: 26 claims, 21 paid, $476,131 in total2020: 50 claims, 45 paid, $1,977,178 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 (14)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20205045$1,977,178$43,937
20192621$476,131$22,673
20174441$1,637,500$39,939
20156560$1,498,369$24,973
2008182169$6,699,189$39,640
20022219$228,107$12,006
19941413$47,725$3,671
19892116$107,074$6,692
1987137124$1,384,714$11,167
19845851$308,982$6,058
19832016$31,153$1,947
19826250$308,880$6,178
198012<10––
19795245$170,595$3,791

From 2016 to 2026: 120 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

Alexandria (433 home policies) · Unincorporated Rapides Parish (70 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.