Menu

Flood insurance cost · ZIP 71351 · LA

Flood insurance cost in ZIP 71351 (unincorporated Avoyelles Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 318 home policies in force on August 31, 2026.

ZIP code 71351 (unincorporated Avoyelles Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$446a year

Half of insured homes paid between $378 and $552. That is about the same as the Avoyelles Parish median ($453). Most insured homes here are rated in zone A (79%).

$0$378 · $446 · $552$690
+2.3% vs Aug 31, 2025 (median $436)
318home policies in force
$476average cost (mean)
86%of insured homes in high-risk zones (A, V)
$150,000median 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 71351

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$493–$691$59424 (8%)+15.4%
Zone A
High risk		$427$363–$543$452251 (79%)+1.7%
Zone X
Moderate to low risk		$500$422–$646$55143 (14%)−0.4%

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 71351, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home281$447$479
Manufactured (mobile) home37$444$453
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		18$660$767

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit, whole residential building (5+ units or condo association).

337NFIP policies in force, any building
337insured units (condo association policies count every unit)
45%of home policies also cover contents
$50,000median contents coverage, when bought

One year on: ZIP code 71351

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 force312318+1.9%
Median annual cost$436$446+2.3%
Average annual cost$467$476+1.9%
All policies in force (any building)332337+1.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 71351 have filed 796 flood claims. 670 received a payment, for a total of $4,853,639 (an average of $7,244 per paid claim). The year with the most claims was 1979 (176 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001979: 176 claims, 165 paid, $567,776 in total19791980: 66 claims, 59 paid, $166,575 in total19801981: 11 claims1982: 20 claims, 14 paid, $54,243 in total1983: 119 claims, 84 paid, $255,323 in total198319901991: 62 claims, 59 paid, $209,588 in total1995: 29 claims, 27 paid, $281,514 in total1997: 80 claims, 69 paid, $323,880 in total199720002001: 11 claims, 10 paid, $57,048 in total2008: 49 claims, 38 paid, $652,561 in total20102011: 41 claims, 31 paid, $767,892 in total2016: 25 claims, 20 paid, $496,919 in total2017: 11 claims2020
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 (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
201711<10––
20162520$496,919$24,846
20114131$767,892$24,771
20084938$652,561$17,173
20011110$57,048$5,705
19978069$323,880$4,694
19952927$281,514$10,426
19916259$209,588$3,552
198311984$255,323$3,040
19822014$54,243$3,874
198111<10––
19806659$166,575$2,823
1979176165$567,776$3,441

From 2016 to 2026: 36 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 Avoyelles Parish (274 home policies) · Marksville (39 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.