Flood insurance cost in Louisiana
In Louisiana, the lowest private flood insurance quote ran $1,038 a year and the typical private quote ran $2,243. The NFIP quote ran $1,818.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 28% below the NFIP quote, and private was the cheaper option for 65% of those 228 properties. The typical private quote came in 36% above NFIP.
Median annual premiums from 1,869 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Zone X, B and C (moderate to low risk) | $666 | $1,105 | $1,336 | 873 |
| Zone A, AE, AH and AO (high risk) | $1,388 | $4,362 | $2,364 | 981 |
| Residential properties | $1,037 | $2,243 | $1,811 | 1,863 |
How quotes have moved since 2020
- Lowest private quote$757 in 2026
- Typical private quote$2,575 in 2026
- NFIP quote$2,090 in 2026
Dashed lines span years with too few quotes to report a figure.
* 2026 is still in progress and runs through the latest update.
| Year | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| 2020 | $1,396 | $1,766 | $517 | 810 |
| 2021 | $1,131 | $1,825 | $572 | 1,096 |
| 2022 | $1,209 | $2,101 | n/a | 939 |
| 2023 | $1,734 | $2,121 | n/a | 723 |
| 2024 | $1,482 | $2,650 | $2,086 | 1,000 |
| 2025 | $1,046 | $1,897 | $1,621 | 1,064 |
| 2026* | $757 | $2,575 | $2,090 | 620 |
Counties in Louisiana
| County | Lowest private | Typical private | NFIP | Lowest private vs NFIP | Carrier quotes |
|---|---|---|---|---|---|
| Jefferson Parish | $2,178 | $4,301 | $2,023 | 3% higher | 203 |
| St. Tammany Parish | $961 | $1,571 | n/a | n/a | 163 |
Only places where at least 20 different properties were quoted in the period are listed.
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in Louisiana?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in Louisiana was $2,243 a year and the lowest private quote a property received was $1,038. NFIP quotes ran $1,818. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Is private flood insurance cheaper than NFIP in Louisiana?
- Where a property was quoted both ways, the lowest private quote came in a median 28% below the NFIP quote, and private was the cheaper option for 65% of those 228 properties. The typical private quote came in 36% above NFIP.
- How much does the flood zone change the price in Louisiana?
- Properties in high-risk A zones were quoted a typical $4,362 a year for private flood insurance, against $1,105 in moderate to low risk X zones. The lowest quotes ran $1,388 and $666.
- Where do these numbers come from?
- From 1,869 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in Louisiana
- Flood insurance in Louisiana: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.