Lake Charles, LA flood insurance data
Computed from OpenFEMA FIMA NFIP Redacted Policies (v2) and OpenFEMA FIMA NFIP Redacted Claims (v2). Data as of June 1, 2026.
As of June 1, 2026, 9,425 NFIP flood insurance policies are in force across the ZIP codes of Lake Charles, Louisiana, with 8,566 flood claims recorded since 1978.
City totals
- Policies in force
- 9,425
- Median annual premium
- $904
- premium only
- Median annual cost
- $1,206
- premium + fees & surcharges
- Policies in SFHA zones
- 41.9%
- zones A, AE, AH, AO, V, VE
- Claims since 1978
- 8,566
- Total paid
- $289,107,885
City totals include all ZIP codes in this city, some of which do not have individual pages. Summing the ZIP pages below therefore gives a smaller number than the city total — see methodology.
ZIP codes in Lake Charles
5 of the 5 ZIP codes in Lake Charles meet the data threshold for an individual page.
Related pages
- State page: Flood insurance in Louisiana
- Tool: look up a ZIP in Lake Charles
- Reading: What is the NFIP? · How these figures are computed