ZIP 71327 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, 36 NFIP flood insurance policies are in force in ZIP 71327 (Cottonport, LA), with 50 flood claims recorded since 1978.

Policies & premiums

Policies in force: 36
Median annual premium: $282; premium only
Median annual cost: $409; premium + fees & surcharges
Mean annual premium: $291; premium only
Policies in SFHA zones: 63.9%; zones A, AE, AH, AO, V, VE
Building coverage in force: $6,294,000
Contents coverage in force: $1,430,000

"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 71327 by rated flood zone
	Policies	Share
A	23	63.9%
C	8	22.2%
X	5	13.9%

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 71327 by occupancy type
	Policies	Share
Single-family homes	33	91.7%
Mobile homes	2	5.6%
Non-residential buildings	1	2.8%

Claims history since 1978

Claims since 1978: 50
Total paid: $311,418
Paid on buildings: $251,441
Paid on contents: $59,977

NFIP claims filed per year in ZIP 71327, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).

Claims by year (data table)

Year	Claims	Paid
1979	23	$133,736
1980	6	$36,347
1982	1	$8,663
1983	9	$11,772
1991	1	$425
1997	5	$33,549
2008	1	$24,077
2013	2	$1,307
2017	1	$20,635
2019	1	$40,906

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year	Claims	Paid
1979	23	$133,736
2019	1	$40,906
1980	6	$36,347

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