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Flood Figures

ZIP 70615 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, 804 NFIP flood insurance policies are in force in ZIP 70615 (Lake Charles, LA), with 906 flood claims recorded since 1978.

Policies & premiums

Policies in force
804
Median annual premium
$965
premium only
Median annual cost
$1,240
premium + fees & surcharges
Mean annual premium
$1,319
premium only
Policies in SFHA zones
62.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$155,622,000
Contents coverage in force
$41,911,000

"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 70615 by rated flood zone
Policies Share Share bar
AE 428 53.2%
X 298 37.1%
A 75 9.3%
A07 1 0.1%
C 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 70615 by occupancy type
Policies Share Share bar
Single-family homes 550 68.4%
Non-residential buildings 144 17.9%
Mobile homes 92 11.4%
Multi-unit buildings 18 2.2%

Claims history since 1978

Claims since 1978
906
Total paid
$27,652,038
Paid on buildings
$21,815,915
Paid on contents
$5,790,405
NFIP claims filed per year in ZIP 70615, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 7 $20,468
1980 45 $601,754
1981 3 $3,409
1982 10 $73,008
1983 1 $221
1984 1 $0
1985 1 $194
1987 3 $3,593
1988 3 $7,959
1989 23 $556,913
1991 2 $0
1993 1 $7,147
1995 6 $33,933
1996 1 $1,078
1998 3 $10,061
1999 1 $4,186
2001 19 $182,287
2002 23 $403,605
2004 10 $86,225
2005 86 $866,410
2006 26 $345,306
2007 1 $3,337
2008 34 $682,369
2009 4 $15,182
2010 2 $5,100
2011 4 $21,268
2012 6 $22,416
2013 2 $0
2014 1 $47,135
2016 5 $126,272
2017 108 $4,519,360
2019 2 $1,854
2020 249 $10,781,892
2021 209 $8,178,918
2023 1 $4,550
2024 2 $0
2025 1 $34,629

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2020 249 $10,781,892
2021 209 $8,178,918
2017 108 $4,519,360

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