Louisiana Home-Insurance Distress by County

Home-insurance distress across Louisiana is among the most severe in the country: 64 counties average 73/100, 5th of 52 states.

43 of Louisiana's 64 counties score 70 or higher (severe).

Louisiana's reading rests on a FEMA hazard average of 80/100 and NFIP flood-claim stress of 64/100.

Over three years Louisiana counties filed 4,335 NFIP flood claims, $179,769,646 paid.

Highest in Louisiana: Lafourche County 95/100 (#37 US), St. Charles County 95/100 (#40 US), Terrebonne County 94/100 (#54 US), St. Tammany County 93/100 (#63 US), Jefferson County 93/100 (#74 US).

Louisiana counties by insurance band: 28 high (Louisiana), 27 medium, 9 low; Louisiana NFIP claims, three years: 4,335; Louisiana payouts $179.8 million.

Louisiana counties with the most NFIP claims: Jefferson 1,405 ($62.2 million); Orleans 384 ($7.9 million); St. Tammany 376 ($9.2 million) in Louisiana; St. Charles 365 ($14.8 million); St. John The Baptist 234 ($11.0 million).

Louisiana county average rose: 75.8 in March 2026; Louisiana reads 77.8 in October 2026; Louisiana by month: March 75.8, April 75.8, May 73.7 (Louisiana), June 73.7, July 78.8, August 73.9 (Louisiana), September 73.0, October 77.8.

Highest Louisiana ZIPs, insurance distress: 77532 0 (climate 100), 77047 0 (climate 100) in Louisiana, 60643 0 (climate 100), 60456 0 (climate 100) in Louisiana, 33145 0 (climate 100), 33054 0 (climate 100) in Louisiana.

Reading the Louisiana bands: 28 of 64 Louisiana counties sit in a high or worse insurance band; Louisiana filed 4,335 NFIP claims in three years, $179.8 million paid to Louisiana policyholders; a Louisiana county's band moves when FEMA hazard revisions, new Louisiana NFIP settlements or carrier filings change its monthly score.