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Flood Figures

ZIP 70601 flood insurance data

Computed from OpenFEMA FIMA NFIP Redacted Policies (v2) and OpenFEMA FIMA NFIP Redacted Claims (v2). Policy data as of June 1, 2026; claims recorded through June 1, 2026.

As of June 1, 2026, 1,565 NFIP flood insurance policies are in force in ZIP 70601 (Lake Charles, LA), with 1,956 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,565
Median annual premium
$1,037
premium only
Median annual cost
$1,373
premium + fees & surcharges
Mean annual premium
$1,769
premium only
Policies in SFHA zones
49.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$343,413,000
Contents coverage in force
$108,518,000

"Premium" is the policy premium alone; "cost" adds federal fees and surcharges. In-force counts are an approximation derived from policy effective, termination, and cancellation dates — see methodology.

Flood zones of insured properties

NFIP policies in ZIP 70601 by rated flood zone
Policies Share Share bar
X 777 49.6%
AE 628 40.1%
A 160 10.2%

Distribution of insured properties by the flood zone used in their policy rating — not a map of land area. Numbered zones (A1–A30, V1–V30) and Zones B and C appear on older FEMA map panels; B and C correspond to today's shaded and unshaded Zone X.

What the policies cover

NFIP policies in ZIP 70601 by occupancy type
Policies Share Share bar
Single-family homes 1,201 76.7%
Non-residential buildings 228 14.6%
Multi-unit buildings 130 8.3%
Units in multi-unit buildings 5 0.3%
Mobile homes 1 0.1%

Claims history since 1978

Claims since 1978
1,956
Total paid
$58,387,777
Paid on buildings
$45,439,296
Paid on contents
$12,520,312
NFIP claims filed per year in ZIP 70601, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $5,477
1979 90 $369,299
1980 340 $4,202,829
1981 6 $15,706
1982 97 $907,631
1983 13 $12,145
1984 23 $59,322
1985 32 $204,939
1986 5 $8,196
1987 6 $18,259
1988 6 $6,721
1989 128 $1,743,400
1990 11 $14,093
1991 33 $127,504
1992 2 $2,682
1993 5 $3,756
1995 33 $232,823
1996 3 $22,726
1997 7 $23,953
1998 24 $170,754
1999 3 $18,812
2001 14 $70,682
2002 12 $94,265
2004 5 $44,651
2005 221 $8,923,221
2006 19 $238,619
2007 3 $0
2008 243 $23,023,180
2009 5 $4,988
2010 1 $0
2011 2 $0
2012 12 $78,882
2013 2 $18,051
2014 17 $267,704
2015 6 $169,269
2016 20 $290,196
2017 31 $606,389
2018 1 $0
2019 18 $241,866
2020 220 $5,366,099
2021 230 $10,733,675
2022 2 $27,784
2023 2 $10,061
2024 2 $7,166

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2008 243 $23,023,180
2021 230 $10,733,675
2005 221 $8,923,221

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