East Baton Rouge Parish, Louisiana
flood insurance data
- The median paid claim, $75,244, is 44.1% above the Louisiana median ($52,212) and 102.0% above the national median of the same years ($37,248), the 8th highest of 339 counties with all four FEMA sources.
- Of the 71,409 owner registrations FEMA inspected in East Baton Rouge Parish after disasters of every declared type, 7.2% show more than $30,000 of FEMA-inspected damage, against 4.8% across Louisiana and 2.6% nationally. The disaster with the most inspections is DR-4277, SEVERE STORMS AND FLOODING (declared 2016-08-14), with 28,059.
- One event weighs on these figures: Mid-summer severe storms accounts for 86.6% of the paid claims in East Baton Rouge Parish, the next event (2021 Mid-Spring Severe Storms) for 9.4%. These figures largely reflect that one disaster.
- The median NFIP premium in East Baton Rouge Parish, $651, is 39.7% below the Louisiana median ($1,079) and 38.3% below the national median ($1,055); it is the 20th lowest of 339 counties with all four FEMA sources.
Source: FEMA, OpenFEMA NfipPolicies (v3, data as of 2026-09-09, retrieved 2026-10-11 and 2026-10-12), NfipClaims (v3, data as of 2026-09-09, retrieved 2026-10-12), DisasterDeclarationsSummaries (v2, data as of 2026-10-11, retrieved 2026-10-12), HousingAssistanceOwners (v2, data as of 2026-10-11, retrieved 2026-10-12), NfipCommunityStatusBook (v1, data as of 2026-10-11, retrieved 2026-10-12); CPI-U, U.S. city average, all items (CUUR0000SA0), annual average (BLS Public Data API v1, annual averages 2005-2025, retrieved 2026-10-12). Not an official federal report.
NFIP premiums in East Baton Rouge Parish
NFIP premiums: what NFIP policyholders paid, not a quote. Across 36,646 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $651, and half of them fall between $496 (Q1) and $984 (Q3).
With 36,646 residential NFIP policies effective 2025, East Baton Rouge Parish has the 16th most of 339 counties with all four FEMA sources, and the 4th most of 38 Louisiana counties of that list. Inside the Special Flood Hazard Area (SFHA), the median premium in East Baton Rouge Parish is $734, 22.7% higher than outside it ($598); most of its zoned policies sit outside it (55.9%). Residential NFIP policies counted by FEMA fell 14.3% between 2019 (42,769) and 2025 (36,645); the count peaked in 2021 (46,523). Of the 3 zones listed (X, AE, A), zone A has the highest median premium ($852) and zone X the lowest ($598). No coastal V or VE zone is listed.
| Flood zone group | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| SFHA (A, AE, AH, AO, AR, A99, V, VE) | 16,174 | $526 | $734 | $1,099 |
| Outside SFHA (X, B, C) | 20,472 | $483 | $598 | $874 |
By flood zone
| Flood zone | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| X | 20,472 | $483 | $598 | $874 |
| AE | 15,425 | $520 | $728 | $1,096 |
| A | 742 | $653 | $852 | $1,115 |
Policies in force by year
| Year | Policies |
|---|---|
| 2019 | 42,769 |
| 2020 | 42,933 |
| 2021 | 46,523 |
| 2022 | 43,157 |
| 2023 | 39,964 |
| 2024 | 38,316 |
| 2025 | 36,645 |
Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 the two bases differ: 36,645 policies counted by the API, 36,646 in the premium statistics.
NFIP paid building claims in East Baton Rouge Parish
NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 12,197 paid claims; median $75,244, half of them between $50,417 (Q1) and $108,491 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $97,477, a monetary adjustment, not today’s cost of repair.
2016 alone holds 87.2% of the paid claims (year of loss 2015-2024). With 12,197 paid claims (year of loss 2015-2024), East Baton Rouge Parish has the 4th most of 339 counties with all four FEMA sources, and the most of 38 Louisiana counties of that list.
| Event | Paid claims | Share |
|---|---|---|
| Mid-summer severe storms | 10,559 | 86.6% |
| 2021 Mid-Spring Severe Storms | 1,146 | 9.4% |
| Hurricane Delta | 58 | 0.5% |
| Late winter severe storms | 41 | 0.3% |
| Hurricane Ida | 20 | 0.2% |
Paid claims by year of loss
| Year of loss | Paid claims |
|---|---|
| 2015 | 37 |
| 2016 | 10,632 |
| 2017 | 20 |
| 2018 | 22 |
| 2019 | 160 |
| 2020 | 87 |
| 2021 | 1,196 |
| 2022 | 10 |
| 2023 | 20 |
| 2024 | 13 |
FEMA disaster declarations
Since 2000: 27 flood, hurricane and severe-storm declarations (DR and EM) covering East Baton Rouge Parish, 16 of them major disaster declarations.
| Incident type | Declarations |
|---|---|
| Flood | 4 |
| Hurricane | 23 |
| Severe Storm | 0 |
Latest declarations
- DR-4817: HURRICANE FRANCINE (Hurricane, 2024-09-16)
- EM-3614: TROPICAL STORM FRANCINE (Hurricane, 2024-09-10)
- DR-4611: HURRICANE IDA (Hurricane, 2021-08-29)
- EM-3568: TROPICAL STORM IDA (Hurricane, 2021-08-27)
- DR-4606: SEVERE STORMS, TORNADOES, AND FLOODING (Flood, 2021-06-02)
FEMA assistance to homeowners
Since 2002: 71,409 owner registrations inspected by FEMA in East Baton Rouge Parish after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.
| Damage band | Registrations |
|---|---|
| No FEMA-inspected damage | 21,407 |
| $1-$10,000 | 29,904 |
| $10,001-$20,000 | 6,923 |
| $20,001-$30,000 | 8,060 |
| More than $30,000 | 5,115 |
Disasters with the most inspections
- DR-4277, SEVERE STORMS AND FLOODING (declared 2016-08-14): 28,059 inspections
- DR-1603, HURRICANE KATRINA (declared 2005-08-29): 14,261 inspections
- DR-4611, HURRICANE IDA (declared 2021-08-29): 13,441 inspections
- DR-1786, HURRICANE GUSTAV (declared 2008-09-02): 13,318 inspections
- DR-4080, HURRICANE ISAAC (declared 2012-08-29): 1,560 inspections
NFIP communities and flood maps
FEMA’s Community Status Book places 5 NFIP communities in East Baton Rouge Parish alone; 5 of them (100.0%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 5 (Central, City of): FEMA applies that 25% discount to the full-risk premium of Regular Program NFIP policies in that community, inside or outside the SFHA, not to the whole county; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in East Baton Rouge Parish dates from 2008-05-02 (Baker, City of).
| Community | In the NFIP | CRS class | CRS discount (all policies) | Map in effect | First FIRM | Sanction |
|---|---|---|---|---|---|---|
| Central, City of | yes | 5 | 25% | 2012-06-19 | 1979-07-02 | — |
| East Baton Rouge Parish | yes | 6 | 20% | 2012-06-19 | 1979-07-02 | — |
| Zachary, City of | yes | 8 | 10% | 2012-06-19 | 1977-11-18 | — |
| Baker, City of | yes | 9 | 5% | 2008-05-02 | 1970-09-11 | — |
| ST. George, City of | yes | 9 | 5% | 2012-06-19 | 1979-07-02 | — |
Questions about flood insurance in East Baton Rouge Parish
How much is flood insurance in East Baton Rouge Parish?
NFIP policyholders in East Baton Rouge Parish paid a median of $651 for residential policies effective 2025 (36,646 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $496 and $984; $734 inside the Special Flood Hazard Area against $598 outside it: what NFIP policyholders paid, not a quote.
How many flood insurance claims has East Baton Rouge Parish had?
12,197 NFIP building claims were paid (year of loss 2015-2024), with a median of $75,244; the year with the most was 2016 (10,632), and the named event with the most was Mid-summer severe storms (10,559). These are amounts paid, not repair cost.
Is East Baton Rouge Parish in a flood zone?
Of the residential NFIP policies of East Baton Rouge Parish (policies effective 2025), 16,174 are rated inside the Special Flood Hazard Area and 20,472 outside it (zones listed: X, AE, A), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.
Statewide figures: Louisiana flood insurance data.
Named storms with paid claims in East Baton Rouge Parish
Related tools
NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.
To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.
Before using these figures
A county figure can rest on one disaster, and FEMA’s county code may not be the county where every property stands. Method and limits.
Source and notice
- Dominant event: Mid-summer severe storms = 0.866 of paid claims 2015-2024.
This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).