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Flood Figures

ZIP 70607 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, 1,885 NFIP flood insurance policies are in force in ZIP 70607 (Lake Charles, LA), with 2,259 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,885
Median annual premium
$907
premium only
Median annual cost
$1,223
premium + fees & surcharges
Mean annual premium
$1,291
premium only
Policies in SFHA zones
42.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$406,876,000
Contents coverage in force
$130,105,000

"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 70607 by rated flood zone
Policies Share Share bar
X 1,076 57.1%
AE 709 37.6%
A 86 4.6%
VE 10 0.5%
A11 2 0.1%
B 1 0.1%
D 1 0.1%

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 70607 by occupancy type
Policies Share Share bar
Single-family homes 1,529 81.1%
Non-residential buildings 136 7.2%
Mobile homes 119 6.3%
Multi-unit buildings 99 5.3%
Units in multi-unit buildings 2 0.1%

Claims history since 1978

Claims since 1978
2,259
Total paid
$70,805,549
Paid on buildings
$55,796,297
Paid on contents
$13,635,839
NFIP claims filed per year in ZIP 70607, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 17 $62,115
1980 84 $854,961
1981 3 $2,933
1982 8 $35,053
1985 1 $1,251
1987 3 $29,697
1989 4 $3,105
1990 1 $0
1991 5 $13,122
1995 2 $3,398
1996 10 $68,937
1997 2 $24,294
1998 5 $44,957
2000 4 $1,016
2001 6 $4,025
2002 19 $243,128
2004 1 $64,822
2005 432 $11,951,945
2006 10 $110,841
2007 3 $13,335
2008 391 $17,445,374
2009 19 $362,692
2010 4 $1,983
2011 3 $51,801
2012 6 $21,952
2013 1 $0
2014 33 $482,556
2015 6 $39,627
2016 4 $8,655
2017 28 $747,574
2019 20 $676,270
2020 710 $15,077,758
2021 409 $22,342,711
2024 4 $13,662
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2021 409 $22,342,711
2008 391 $17,445,374
2020 710 $15,077,758

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