Data · July 2026 data · 15-month trend
Louisiana Flood Insurance Costs
Louisiana's flood insurance cost index stood at $1,037 in July 2026, measured across policies newly written or renewed that month. That runs +5.2% above the national average of $986. Costs have risen 8.7% year over year. In all, 47,737 policies were written or renewed across 63 counties that month, and Red River Parish topped the county table at $2,828.
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 — July 2026
- Average premium
- $1,037
- Avg total cost (with fees)
- $1,343
- Change (year over year)
- +8.7%
- vs national average
- +5.2%
- Policies written or renewed
- 47,737
- Counties reporting
- 63
Louisiana trend, last 15 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 | 39,496 | |
| June 2025 | $940 | $1,224 | 47,640 | |
| July 2025 | $953 | $1,244 | 50,715 | |
| August 2025 | $957 | $1,249 | 42,926 | |
| September 2025 | $944 | $1,231 | 42,571 | |
| October 2025 | $957 | $1,251 | 34,076 | |
| November 2025 | $977 | $1,275 | 25,223 | |
| December 2025 | $969 | $1,266 | 23,882 | |
| January 2026 | $1,007 | $1,311 | 21,080 | |
| February 2026 | $1,000 | $1,298 | 23,681 | |
| March 2026 | $998 | $1,298 | 29,257 | |
| April 2026 | $1,035 | $1,339 | 33,081 | |
| May 2026 | $1,033 | $1,338 | 37,328 | |
| June 2026 | $1,022 | $1,322 | 44,747 | |
| July 2026 | $1,037 | $1,343 | 47,737 |
County breakdown — July 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 |
|---|---|---|---|---|
| Red River Parish | $2,828 | $3,634 | 1 | |
| Cameron Parish | $2,422 | $3,013 | 141 | |
| St. Mary Parish | $1,887 | $2,392 | 396 | |
| St. Helena Parish | $1,544 | $1,984 | 10 | |
| Jefferson Davis Parish | $1,528 | $1,925 | 117 | |
| Terrebonne Parish | $1,524 | $1,912 | 1,405 | |
| Claiborne Parish | $1,508 | $1,964 | 6 | |
| Iberia Parish | $1,484 | $1,852 | 397 | |
| Vermilion Parish | $1,447 | $1,803 | 492 | |
| Plaquemines Parish | $1,398 | $1,790 | 551 | |
| Calcasieu Parish | $1,348 | $1,703 | 1,773 | |
| Lafourche Parish | $1,340 | $1,679 | 1,089 | |
| Assumption Parish | $1,262 | $1,604 | 101 | |
| St. John the Baptist Parish | $1,246 | $1,572 | 712 | |
| St. Tammany Parish — June 2026 profile | $1,238 | $1,565 | 5,067 | |
| St. Charles Parish | $1,200 | $1,514 | 1,242 | |
| Webster Parish | $1,158 | $1,499 | 11 | |
| Livingston Parish | $1,154 | $1,467 | 1,461 | |
| Washington Parish | $1,106 | $1,426 | 46 | |
| Acadia Parish | $1,086 | $1,399 | 245 | |
| Jefferson Parish — June 2026 profile | $1,085 | $1,399 | 9,790 | |
| East Feliciana Parish | $1,046 | $1,306 | 15 | |
| Orleans Parish — June 2026 profile | $1,042 | $1,379 | 8,313 | |
| St. James Parish | $1,018 | $1,282 | 157 | |
| Vernon Parish | $1,011 | $1,302 | 30 | |
| Tangipahoa Parish | $991 | $1,284 | 837 | |
| Union Parish | $970 | $1,256 | 23 | |
| St. Bernard Parish | $942 | $1,249 | 1,247 | |
| Beauregard Parish | $906 | $1,178 | 31 | |
| Grant Parish | $903 | $1,138 | 15 | |
| Allen Parish | $892 | $1,180 | 41 | |
| West Feliciana Parish | $860 | $1,087 | 5 | |
| Lafayette Parish — June 2026 profile | $854 | $1,109 | 2,112 | |
| Ascension Parish | $832 | $1,084 | 1,652 | |
| St. Martin Parish | $822 | $1,071 | 284 | |
| Sabine Parish | $803 | $1,201 | 26 | |
| Lincoln Parish | $802 | $1,050 | 7 | |
| LaSalle Parish | $759 | $1,017 | 9 | |
| St. Landry Parish | $724 | $990 | 289 | |
| Evangeline Parish | $677 | $908 | 49 | |
| De Soto Parish | $675 | $869 | 8 | |
| Caddo Parish | $667 | $912 | 454 | |
| Jackson Parish | $654 | $1,069 | 5 | |
| Iberville Parish | $638 | $855 | 164 | |
| East Baton Rouge Parish — June 2026 profile | $564 | $779 | 4,979 | |
| Ouachita Parish | $499 | $745 | 447 | |
| Caldwell Parish | $479 | $672 | 33 | |
| West Baton Rouge Parish | $479 | $661 | 176 | |
| Franklin Parish | $479 | $703 | 17 | |
| Morehouse Parish | $469 | $712 | 13 | |
| Natchitoches Parish | $464 | $665 | 60 | |
| Rapides Parish | $462 | $674 | 329 | |
| Winn Parish | $450 | $602 | 2 | |
| Richland Parish | $443 | $684 | 40 | |
| West Carroll Parish | $428 | $577 | 6 | |
| Madison Parish | $401 | $585 | 17 | |
| Bossier Parish | $373 | $552 | 448 | |
| Concordia Parish | $372 | $581 | 45 | |
| Avoyelles Parish | $358 | $541 | 91 | |
| Catahoula Parish | $356 | $556 | 49 | |
| Pointe Coupee Parish | $333 | $525 | 126 | |
| East Carroll Parish | $292 | $481 | 7 | |
| Tensas Parish | $266 | $481 | 26 |
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 (NFIP Redacted Policies v3).
"Louisiana Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, July 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/louisiana
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.