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Flood Figures

ZIP 70605 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, 4,096 NFIP flood insurance policies are in force in ZIP 70605 (Lake Charles, LA), with 2,619 flood claims recorded since 1978.

Policies & premiums

Policies in force
4,096
Median annual premium
$904
premium only
Median annual cost
$1,210
premium + fees & surcharges
Mean annual premium
$1,250
premium only
Policies in SFHA zones
34.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$955,298,000
Contents coverage in force
$328,268,000

"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 70605 by rated flood zone
Policies Share Share bar
X 2,664 65.0%
AE 1,336 32.6%
A 50 1.2%
VE 35 0.9%
B 9 0.2%
A11 2 0.0%

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 70605 by occupancy type
Policies Share Share bar
Single-family homes 3,713 90.6%
Non-residential buildings 164 4.0%
Multi-unit buildings 149 3.6%
Mobile homes 54 1.3%
Units in multi-unit buildings 16 0.4%

Claims history since 1978

Claims since 1978
2,619
Total paid
$112,327,370
Paid on buildings
$93,409,138
Paid on contents
$18,348,732
NFIP claims filed per year in ZIP 70605, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 73 $333,637
1980 169 $1,884,397
1981 15 $48,994
1982 48 $210,247
1983 4 $0
1984 8 $27,315
1985 6 $4,940
1986 11 $52,884
1987 22 $39,219
1988 4 $7,499
1989 31 $226,675
1990 1 $2,602
1991 5 $31,581
1992 1 $0
1993 6 $15,781
1995 3 $10,797
1996 7 $26,871
1997 10 $38,010
1998 29 $117,072
1999 3 $3,985
2000 1 $293
2001 3 $29,170
2002 37 $487,820
2003 3 $18,456
2004 6 $47,855
2005 426 $10,352,297
2006 13 $152,964
2007 8 $43,624
2008 428 $21,170,859
2009 3 $15,080
2010 3 $15,173
2011 2 $14,095
2012 7 $25,274
2013 2 $7,834
2014 91 $3,188,586
2015 3 $29,058
2016 12 $22,941
2017 18 $164,498
2018 1 $0
2019 37 $1,706,524
2020 306 $15,907,841
2021 748 $55,839,394
2022 2 $2,897
2024 3 $2,332

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2021 748 $55,839,394
2008 428 $21,170,859
2020 306 $15,907,841

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