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Flood insurance cost · ZIP 71373 · LA

Flood insurance cost in ZIP 71373 (Vidalia, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 326 home policies in force on August 31, 2026.

ZIP code 71373 (Vidalia, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$442a year

Half of insured homes paid between $408 and $491. That is about the same as the Concordia Parish median ($438). Most insured homes here are rated in zone X (71%).

$0$408 · $442 · $491$614
+2.8% vs Aug 31, 2025 (median $430)
326home policies in force
$468average cost (mean)
29%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 71373

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		$430$379–$591$50187 (27%)+1.4%
Zone X
Moderate to low risk		$441$419–$470$454231 (71%)+2.6%

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 71373, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home315$439$463
Manufactured (mobile) home11$480$603
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.		10$758$743
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		40$768$1,192

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

376NFIP policies in force, any building
376insured units (condo association policies count every unit)
81%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 71373

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 force355326−8.2%
Median annual cost$430$442+2.8%
Average annual cost$467$468+0.2%
All policies in force (any building)405376−7.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 71373 have filed 715 flood claims. 605 received a payment, for a total of $7,792,677 (an average of $12,880 per paid claim). The year with the most claims was 1979 (78 claims). Amounts are in dollars of the time, not adjusted for inflation.

0204060801979: 78 claims, 77 paid, $828,679 in total19791980: 36 claims, 34 paid, $103,136 in total19801982: 23 claims, 17 paid, $28,939 in total1983: 72 claims, 62 paid, $596,403 in total19831984: 42 claims, 33 paid, $219,046 in total1985: 14 claims1989: 14 claims, 12 paid, $74,516 in total1990: 34 claims, 31 paid, $183,106 in total19901991: 40 claims, 38 paid, $236,385 in total1993: 17 claims, 15 paid, $136,958 in total1994: 31 claims, 30 paid, $268,310 in total1995: 23 claims, 18 paid, $173,516 in total1996: 15 claims, 11 paid, $82,481 in total1997: 38 claims, 36 paid, $750,645 in total1998: 11 claims, 10 paid, $91,443 in total20002002: 12 claims, 10 paid, $63,836 in total2008: 24 claims, 20 paid, $818,834 in total20102011: 60 claims, 35 paid, $1,341,097 in total20112013: 15 claims, 13 paid, $492,323 in total2019: 12 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 (20)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
201912<10––
20131513$492,323$37,871
20116035$1,341,097$38,317
20082420$818,834$40,942
20021210$63,836$6,384
19981110$91,443$9,144
19973836$750,645$20,851
19961511$82,481$7,498
19952318$173,516$9,640
19943130$268,310$8,944
19931715$136,958$9,131
19914038$236,385$6,221
19903431$183,106$5,907
19891412$74,516$6,210
198514<10––
19844233$219,046$6,638
19837262$596,403$9,619
19822317$28,939$1,702
19803634$103,136$3,033
19797877$828,679$10,762

From 2016 to 2026: 12 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

Vidalia (211 home policies) · Unincorporated Concordia Parish (115 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.