Data · May 2026 data · 13-month trend
Louisiana Flood Insurance Costs
Louisiana's flood insurance cost index stood at $1,032 in May 2026, measured across policies newly written or renewed that month. That runs +5.1% above the national average of $982. Costs have risen 8.7% year over year. In all, 35,314 policies were written or renewed across 64 counties that month, and Cameron Parish topped the county table at $2,402.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — May 2026
- Average premium
- $1,032
- Avg total cost (with fees)
- $1,336
- Change (year over year)
- +8.7%
- vs national average
- +5.1%
- Policies written or renewed
- 35,314
- Counties reporting
- 64
Louisiana trend, last 13 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $949 | $1,239 | 39,481 | |
| June 2025 | $940 | $1,224 | 47,617 | |
| July 2025 | $953 | $1,244 | 50,676 | |
| August 2025 | $957 | $1,249 | 42,902 | |
| September 2025 | $944 | $1,231 | 42,553 | |
| October 2025 | $957 | $1,250 | 34,057 | |
| November 2025 | $977 | $1,274 | 25,210 | |
| December 2025 | $969 | $1,265 | 23,860 | |
| January 2026 | $1,006 | $1,310 | 21,070 | |
| February 2026 | $1,000 | $1,298 | 23,658 | |
| March 2026 | $998 | $1,297 | 29,230 | |
| April 2026 | $1,034 | $1,339 | 33,044 | |
| May 2026 | $1,032 | $1,336 | 35,314 |
County breakdown — May 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Cameron Parish | $2,402 | $2,983 | 95 | |
| St. Helena Parish | $1,976 | $2,554 | 9 | |
| St. Mary Parish | $1,683 | $2,130 | 303 | |
| Vermilion Parish | $1,595 | $1,989 | 371 | |
| Plaquemines Parish | $1,546 | $1,947 | 420 | |
| West Feliciana Parish | $1,542 | $1,937 | 5 | |
| Iberia Parish | $1,490 | $1,858 | 267 | |
| Terrebonne Parish | $1,463 | $1,839 | 1,061 | |
| Calcasieu Parish | $1,422 | $1,784 | 1,097 | |
| Lafourche Parish | $1,387 | $1,762 | 882 | |
| St. John the Baptist Parish | $1,299 | $1,639 | 547 | |
| Assumption Parish | $1,295 | $1,636 | 93 | |
| St. Tammany Parish | $1,240 | $1,567 | 3,827 | |
| Jefferson Davis Parish | $1,179 | $1,488 | 61 | |
| St. Charles Parish | $1,146 | $1,449 | 943 | |
| Livingston Parish | $1,139 | $1,461 | 1,199 | |
| Sabine Parish | $1,132 | $1,464 | 8 | |
| Acadia Parish | $1,108 | $1,415 | 181 | |
| FIPS 22000 | $1,074 | $1,412 | 38 | |
| Washington Parish | $1,074 | $1,378 | 57 | |
| Jefferson Parish | $1,060 | $1,367 | 7,950 | |
| Tangipahoa Parish | $1,048 | $1,342 | 559 | |
| St. James Parish | $1,032 | $1,305 | 87 | |
| East Feliciana Parish | $1,003 | $1,256 | 10 | |
| Vernon Parish | $1,001 | $1,360 | 23 | |
| Union Parish | $972 | $1,298 | 20 | |
| Orleans Parish | $952 | $1,260 | 6,078 | |
| Beauregard Parish | $949 | $1,235 | 26 | |
| Webster Parish | $931 | $1,271 | 20 | |
| St. Bernard Parish | $906 | $1,198 | 924 | |
| St. Martin Parish | $893 | $1,169 | 204 | |
| Claiborne Parish | $892 | $1,285 | 7 | |
| Lincoln Parish | $873 | $1,177 | 3 | |
| Lafayette Parish | $853 | $1,107 | 1,360 | |
| LaSalle Parish | $853 | $1,143 | 7 | |
| Ascension Parish | $821 | $1,063 | 1,097 | |
| St. Landry Parish | $815 | $1,078 | 182 | |
| Grant Parish | $778 | $1,038 | 14 | |
| De Soto Parish | $754 | $1,018 | 4 | |
| Evangeline Parish | $743 | $1,014 | 41 | |
| Caddo Parish | $736 | $1,009 | 378 | |
| Iberville Parish | $716 | $945 | 89 | |
| Jackson Parish | $716 | $1,142 | 2 | |
| Allen Parish | $661 | $878 | 17 | |
| East Baton Rouge Parish | $610 | $842 | 2,727 | |
| Natchitoches Parish | $553 | $753 | 40 | |
| Rapides Parish | $533 | $749 | 251 | |
| Ouachita Parish | $501 | $734 | 478 | |
| Madison Parish | $500 | $758 | 47 | |
| Winn Parish | $496 | $769 | 2 | |
| West Baton Rouge Parish | $477 | $651 | 96 | |
| Morehouse Parish | $463 | $636 | 13 | |
| Franklin Parish | $446 | $626 | 33 | |
| Caldwell Parish | $436 | $665 | 43 | |
| Richland Parish | $419 | $669 | 44 | |
| Bossier Parish | $399 | $587 | 430 | |
| East Carroll Parish | $361 | $584 | 21 | |
| Avoyelles Parish | $342 | $515 | 74 | |
| West Carroll Parish | $336 | $489 | 11 | |
| Concordia Parish | $333 | $506 | 113 | |
| Catahoula Parish | $326 | $541 | 67 | |
| Pointe Coupee Parish | $322 | $523 | 101 | |
| Tensas Parish | $299 | $508 | 43 | |
| Red River Parish | $252 | $444 | 3 |
Use this data
Download Louisiana CSV (louisiana.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (FimaNfipPolicies).
"Louisiana Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, May 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/louisiana
Related guides
Editorial context for reading these numbers — how NFIP coverage and pricing work in practice, and what a flood map does and doesn’t tell you.