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Flood insurance cost · ZIP 71303 · LA

Flood insurance cost in ZIP 71303 (unincorporated Rapides Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 825 home policies in force on August 31, 2026.

ZIP code 71303 (unincorporated Rapides Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$519a year

Half of insured homes paid between $458 and $629. That is 7% less than the Rapides Parish median ($556). Most insured homes here are rated in zone X (57%).

$0$458 · $519 · $629$786
+3.0% vs Aug 31, 2025 (median $504)
825home policies in force
$548average cost (mean)
43%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 71303

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		$539$433–$659$552340 (41%)+3.7%
Zone A
High risk		$506$426–$595$52811 (1%)+3.9%
Zone X
Moderate to low risk		$513$469–$601$547474 (57%)+2.2%

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 71303, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home729$511$542
2–4 unit building55$670$673
Manufactured (mobile) home25$615$582
Condo or apartment unit16$352$365
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		66$887$993

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

900NFIP policies in force, any building
900insured units (condo association policies count every unit)
75%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 71303

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 force874825−5.6%
Median annual cost$504$519+3.0%
Average annual cost$536$548+2.2%
All policies in force (any building)955900−5.8%

Flood claims history

Since 1978, NFIP policyholders in ZIP 71303 have filed 528 flood claims. 439 received a payment, for a total of $9,672,607 (an average of $22,033 per paid claim). The year with the most claims was 2020 (75 claims). Amounts are in dollars of the time, not adjusted for inflation.

02040608019801982: 27 claims, 24 paid, $153,233 in total1983: 14 claims1984: 35 claims, 27 paid, $99,477 in total1987: 57 claims, 50 paid, $490,784 in total19871989: 14 claims, 12 paid, $96,620 in total19901991: 26 claims, 24 paid, $148,722 in total1992: 14 claims, 13 paid, $43,699 in total1994: 36 claims, 35 paid, $210,542 in total1995: 13 claims, 12 paid, $50,868 in total20002008: 37 claims, 29 paid, $1,407,735 in total20102015: 17 claims, 14 paid, $303,422 in total2017: 61 claims, 56 paid, $2,361,925 in total20172019: 30 claims, 27 paid, $1,170,063 in total2020: 75 claims, 61 paid, $2,794,917 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 (14)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20207561$2,794,917$45,818
20193027$1,170,063$43,336
20176156$2,361,925$42,177
20151714$303,422$21,673
20083729$1,407,735$48,543
19951312$50,868$4,239
19943635$210,542$6,015
19921413$43,699$3,361
19912624$148,722$6,197
19891412$96,620$8,052
19875750$490,784$9,816
19843527$99,477$3,684
198314<10––
19822724$153,233$6,385

From 2016 to 2026: 166 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 Rapides Parish (494 home policies) · Alexandria (331 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.