Data · June 2026 data · 14-month trend
Louisiana Flood Insurance Costs
Louisiana's flood insurance cost index stood at $1,022 in June 2026, measured across policies newly written or renewed that month. That runs +2.1% above the national average of $1,001. Costs have risen 8.8% year over year. In all, 44,747 policies were written or renewed across 64 counties that month, and Cameron Parish topped the county table at $2,448.
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 — June 2026
- Average premium
- $1,022
- Avg total cost (with fees)
- $1,322
- Change (year over year)
- +8.8%
- vs national average
- +2.1%
- Policies written or renewed
- 44,747
- Counties reporting
- 64
Louisiana trend, last 14 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 |
County breakdown — June 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 | $2,448 | $3,046 | 154 | |
| Plaquemines Parish | $1,732 | $2,182 | 610 | |
| St. Mary Parish | $1,608 | $2,018 | 338 | |
| Vermilion Parish | $1,580 | $1,981 | 546 | |
| Sabine Parish | $1,523 | $1,931 | 11 | |
| Terrebonne Parish | $1,517 | $1,902 | 1,232 | |
| Iberia Parish | $1,403 | $1,763 | 342 | |
| Lafourche Parish | $1,400 | $1,753 | 977 | |
| St. John the Baptist Parish | $1,325 | $1,671 | 753 | |
| Calcasieu Parish | $1,273 | $1,606 | 1,675 | |
| East Feliciana Parish | $1,266 | $1,693 | 16 | |
| Jefferson Davis Parish | $1,226 | $1,544 | 99 | |
| St. Tammany Parish | $1,224 | $1,546 | 4,837 | |
| St. Charles Parish | $1,173 | $1,479 | 1,174 | |
| Union Parish | $1,164 | $1,545 | 25 | |
| Livingston Parish | $1,142 | $1,451 | 1,388 | |
| Jefferson Parish | $1,071 | $1,383 | 9,275 | |
| St. James Parish | $1,050 | $1,331 | 178 | |
| Assumption Parish | $1,049 | $1,335 | 92 | |
| Washington Parish | $1,022 | $1,331 | 67 | |
| Acadia Parish | $994 | $1,273 | 251 | |
| Tangipahoa Parish | $993 | $1,294 | 836 | |
| Orleans Parish | $973 | $1,286 | 7,635 | |
| St. Helena Parish | $969 | $1,260 | 5 | |
| Vernon Parish | $960 | $1,265 | 34 | |
| St. Bernard Parish | $941 | $1,255 | 1,251 | |
| St. Martin Parish | $897 | $1,162 | 247 | |
| Lafayette Parish | $869 | $1,126 | 1,897 | |
| Allen Parish | $854 | $1,099 | 37 | |
| Beauregard Parish | $854 | $1,106 | 44 | |
| St. Landry Parish | $836 | $1,103 | 258 | |
| Claiborne Parish | $826 | $1,087 | 11 | |
| Lincoln Parish | $794 | $1,071 | 11 | |
| Ascension Parish | $778 | $1,015 | 1,474 | |
| West Feliciana Parish | $761 | $987 | 13 | |
| Iberville Parish | $708 | $935 | 162 | |
| Evangeline Parish | $683 | $944 | 55 | |
| Natchitoches Parish | $681 | $932 | 60 | |
| Caddo Parish | $655 | $892 | 375 | |
| Grant Parish | $640 | $887 | 19 | |
| Winn Parish | $633 | $875 | 4 | |
| De Soto Parish | $612 | $839 | 10 | |
| Webster Parish | $582 | $914 | 13 | |
| Jackson Parish | $548 | $869 | 3 | |
| East Baton Rouge Parish | $548 | $753 | 4,294 | |
| LaSalle Parish | $539 | $708 | 8 | |
| Franklin Parish | $517 | $724 | 32 | |
| Rapides Parish | $501 | $716 | 257 | |
| Ouachita Parish | $469 | $691 | 443 | |
| West Baton Rouge Parish | $452 | $628 | 175 | |
| FIPS 22000 | $429 | $691 | 2 | |
| Madison Parish | $424 | $648 | 21 | |
| Morehouse Parish | $401 | $620 | 9 | |
| Bossier Parish | $399 | $597 | 425 | |
| Avoyelles Parish | $381 | $564 | 96 | |
| Caldwell Parish | $369 | $545 | 24 | |
| West Carroll Parish | $368 | $538 | 7 | |
| Richland Parish | $353 | $630 | 76 | |
| East Carroll Parish | $344 | $528 | 18 | |
| Pointe Coupee Parish | $332 | $510 | 187 | |
| Catahoula Parish | $320 | $507 | 59 | |
| Concordia Parish | $320 | $521 | 91 | |
| Red River Parish | $274 | $395 | 1 | |
| Tensas Parish | $269 | $486 | 28 |
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, June 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.