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Flood insurance cost · ZIP 71360 · LA

Flood insurance cost in ZIP 71360 (unincorporated Rapides Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 373 home policies in force on August 31, 2026.

ZIP code 71360 (unincorporated Rapides Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$617a year

Half of insured homes paid between $472 and $840. That is 11% more than the Rapides Parish median ($556). The most common flood zone for insured homes here is zone X (37%).

$0$472 · $617 · $840$1,050
+1.6% vs Aug 31, 2025 (median $607)
373home policies in force
$729average cost (mean)
63%of insured homes in high-risk zones (A, V)
$201,000median 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 71360

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		$716$556–$1,032$881122 (33%)+2.1%
Zone A
High risk		$508$436–$625$555112 (30%)+5.4%
Zone X
Moderate to low risk		$670$504–$924$734139 (37%)+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 71360, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home343$608$721
2–4 unit building14$822$948
Manufactured (mobile) home15$550$701
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.		18$1,138$1,178
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		50$974$1,083

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

441NFIP policies in force, any building
441insured units (condo association policies count every unit)
57%of home policies also cover contents
$87,000median contents coverage, when bought

One year on: ZIP code 71360

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 force385373−3.1%
Median annual cost$607$617+1.6%
Average annual cost$709$729+2.8%
All policies in force (any building)448441−1.6%

Flood claims history

Since 1978, NFIP policyholders in ZIP 71360 have filed 600 flood claims. 515 received a payment, for a total of $9,902,497 (an average of $19,228 per paid claim). The year with the most claims was 1991 (65 claims). Amounts are in dollars of the time, not adjusted for inflation.

0204060801979: 38 claims, 35 paid, $179,118 in total1980: 12 claims19801982: 19 claims, 17 paid, $114,726 in total1983: 25 claims, 17 paid, $69,204 in total1984: 13 claims1987: 24 claims, 23 paid, $317,753 in total1989: 25 claims, 22 paid, $169,696 in total1990: 40 claims, 37 paid, $203,343 in total199019901991: 65 claims, 61 paid, $575,524 in total19911994: 14 claims, 12 paid, $81,154 in total1995: 11 claims1997: 28 claims, 26 paid, $342,311 in total20002001: 33 claims, 31 paid, $509,613 in total2008: 55 claims, 45 paid, $1,530,254 in total200820102011: 14 claims, 11 paid, $133,809 in total2015: 13 claims, 11 paid, $307,669 in total2016: 31 claims, 25 paid, $1,639,263 in total2017: 28 claims, 25 paid, $1,089,802 in total2020: 35 claims, 35 paid, $1,658,481 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
20203535$1,658,481$47,385
20172825$1,089,802$43,592
20163125$1,639,263$65,571
20151311$307,669$27,970
20111411$133,809$12,164
20085545$1,530,254$34,006
20013331$509,613$16,439
19972826$342,311$13,166
199511<10––
19941412$81,154$6,763
19916561$575,524$9,435
19904037$203,343$5,496
19892522$169,696$7,713
19872423$317,753$13,815
198413<10––
19832517$69,204$4,071
19821917$114,726$6,749
198012<10––
19793835$179,118$5,118

From 2016 to 2026: 94 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 (236 home policies) · Pineville (120 home policies) · Unincorporated Avoyelles Parish (12 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.