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Flood insurance cost · ZIP 71302 · LA

Flood insurance cost in ZIP 71302 (Alexandria, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 539 home policies in force on August 31, 2026.

ZIP code 71302 (Alexandria, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$513a year

Half of insured homes paid between $440 and $658. That is 8% less than the Rapides Parish median ($556). Most insured homes here are rated in zone AE (67%).

$0$440 · $513 · $658$822
+1.0% vs Aug 31, 2025 (median $508)
539home policies in force
$548average cost (mean)
79%of insured homes in high-risk zones (A, V)
$147,000median 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 71302

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		$527$445–$670$559361 (67%)+1.0%
Zone A
High risk		$454$390–$573$48263 (12%)+0.4%
Zone X
Moderate to low risk		$511$451–$630$550115 (21%)+1.4%

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 71302, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home465$499$533
2–4 unit building40$741$748
Manufactured (mobile) home33$516$517
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$1,380$1,244
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		49$920$1,132

Not shown (fewer than 10 policies): condo or apartment unit.

609NFIP policies in force, any building
609insured units (condo association policies count every unit)
54%of home policies also cover contents
$50,000median contents coverage, when bought

One year on: ZIP code 71302

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 force548539−1.6%
Median annual cost$508$513+1.0%
Average annual cost$544$548+0.7%
All policies in force (any building)608609+0.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 71302 have filed 680 flood claims. 577 received a payment, for a total of $12.1 million (an average of $21,033 per paid claim). The year with the most claims was 2008 (185 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001979: 10 claims19801982: 57 claims, 49 paid, $482,837 in total1984: 28 claims, 23 paid, $105,044 in total1987: 127 claims, 116 paid, $1,382,709 in total198719901994: 11 claims, 10 paid, $47,864 in total20002002: 18 claims, 11 paid, $58,686 in total2008: 185 claims, 166 paid, $4,808,818 in total200820102015: 22 claims, 19 paid, $333,025 in total2017: 36 claims, 32 paid, $1,416,487 in total2019: 13 claims, 11 paid, $218,873 in total2020: 70 claims, 64 paid, $2,570,998 in total20202020
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 (11)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20207064$2,570,998$40,172
20191311$218,873$19,898
20173632$1,416,487$44,265
20152219$333,025$17,528
2008185166$4,808,818$28,969
20021811$58,686$5,335
19941110$47,864$4,786
1987127116$1,382,709$11,920
19842823$105,044$4,567
19825749$482,837$9,854
197910<10––

From 2016 to 2026: 119 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 (409 home policies) · Unincorporated Rapides Parish (130 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.