ZIP 71040 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, 81 NFIP flood insurance policies are in force in ZIP 71040 (Homer, LA), with 64 flood claims recorded since 1978.

Policies & premiums

Policies in force: 81
Median annual premium: $858; premium only
Median annual cost: $1,256; premium + fees & surcharges
Mean annual premium: $1,049; premium only
Policies in SFHA zones: 79.0%; zones A, AE, AH, AO, V, VE
Building coverage in force: $15,433,000
Contents coverage in force: $2,906,000

"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 71040 by rated flood zone
	Policies	Share
A	64	79.0%
C	13	16.0%
X	4	4.9%

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 71040 by occupancy type
	Policies	Share
Single-family homes	62	76.5%
Mobile homes	15	18.5%
Non-residential buildings	3	3.7%
Multi-unit buildings	1	1.2%

Claims history since 1978

Claims since 1978: 64
Total paid: $1,836,258
Paid on buildings: $1,392,386
Paid on contents: $443,872

NFIP claims filed per year in ZIP 71040, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).

Claims by year (data table)

Year	Claims	Paid
1990	1	$77,999
1991	6	$44,433
1997	3	$19,337
1999	2	$20,014
2003	1	$7,167
2005	2	$7,591
2009	3	$25,250
2016	42	$1,553,106
2019	3	$81,362
2023	1	$0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year	Claims	Paid
2016	42	$1,553,106
2019	3	$81,362
1990	1	$77,999

State page: Flood insurance in Louisiana
Tool: look up another ZIP
Reading: What is the NFIP? · How these figures are computed