Flood Help Guide

St. Charles Parish flood history

Louisiana · From FEMA's flood insurance and disaster data · Updated 2026-10-08

7,568NFIP flood claims since 1978
$161.4 millionPaid on those claims
$51,869Average paid claimlast 10 years
55.7%Homes with NFIP flood insurance
$1,140Typical yearly NFIP costsingle-family home
5Flood disaster declarationssince 2000

FEMA's National Flood Insurance Program (NFIP) data lists 7,568 flood insurance claims in St. Charles Parish, Louisiana since 1978. The NFIP paid $161.4 million on them (building, contents and Increased Cost of Compliance payments, in the dollars of the year paid).

The year with the most claims was 1995, with 2,031, mostly from Flooding.

In the last ten years (2017–2026) there were 1,617 claims, and the average paid claim was $51,869.

26% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).

About 55.7% of homes in St. Charles Parish, Louisiana had an NFIP flood policy in FEMA's latest count (9,907 of 17,783 residential buildings).

Since 2000, FEMA has made 5 flood-related disaster declarations covering St. Charles Parish, Louisiana. The most recent was DR-4277-LA (Severe Storms and Flooding), declared August 14, 2016.

NFIP claims by year

NFIP flood claims per year in St. Charles Parish, Louisiana06251.2k1.9k2.5k1978: 26 claims, $78,427 paid1979: 12 claims, $22,204 paid1980: 84 claims, $285,701 paid19801981: 3 claims, $7,469 paid1982: 9 claims, $8,709 paid1983: 49 claims, $136,512 paid1984: 2 claims, $444 paid1985: 52 claims, $503,151 paid1986: 1 claims, $0 paid1987: 5 claims, $71,274 paid1988: 30 claims, $99,477 paid1989: 684 claims, $14.7 million paid1990: 50 claims, $86,164 paid19901991: 37 claims, $157,597 paid1992: 14 claims, $55,944 paid1993: 1 claims, $0 paid1994: 13 claims, $23,403 paid1995: 2,031 claims, $55.7 million paid1996: 13 claims, $103,746 paid1997: 2 claims, $0 paid1998: 73 claims, $498,362 paid1999: 3 claims, $4,851 paid2000: 2 claims, $702 paid20002001: 50 claims, $154,490 paid2002: 171 claims, $2.1 million paid2003: 7 claims, $11,388 paid2004: 289 claims, $6.4 million paid2005: 1,797 claims, $13.3 million paid2006: 1 claims, $0 paid2007: 10 claims, $143,969 paid2008: 80 claims, $725,181 paid2009: 111 claims, $2.1 million paid2010: 2 claims, $3,387 paid20102011: 14 claims, $71,520 paid2012: 189 claims, $1.6 million paid2013: 2 claims, $0 paid2014: 3 claims, $21,912 paid2015: 15 claims, $118,854 paid2016: 14 claims, $86,725 paid2017: 16 claims, $245,980 paid2018: 71 claims, $2.3 million paid2019: 7 claims, $103,468 paid2020: 402 claims, $21.7 million paid20202021: 748 claims, $22.9 million paid2022: 6 claims, $8,773 paid2023: 2 claims, $0 paid2024: 223 claims, $10.1 million paid2025: 23 claims, $149,282 paid2026: 119 claims, $4.6 million paid
Claims per year of loss. Hover or tap a bar for details.
Show as a table
YearClaimsPaid
2026119$4.6 million
202523$149,282
2024223$10.1 million
20232$0
20226$8,773
2021748$22.9 million
2020402$21.7 million
20197$103,468
201871$2.3 million
201716$245,980
201614$86,725
201515$118,854
20143$21,912
20132$0
2012189$1.6 million
201114$71,520
20102$3,387
2009111$2.1 million
200880$725,181
200710$143,969
20061$0
20051,797$13.3 million
2004289$6.4 million
20037$11,388
2002171$2.1 million
200150$154,490
20002$702
19993$4,851
199873$498,362
19972$0
199613$103,746
19952,031$55.7 million
199413$23,403
19931$0
199214$55,944
199137$157,597
199050$86,164
1989684$14.7 million
198830$99,477
19875$71,274
19861$0
198552$503,151
19842$444
198349$136,512
19829$8,709
19813$7,469
198084$285,701
197912$22,204
197826$78,427

Named flood events

EventYearClaimsPaid
Flooding19952,026$55.7 million
Hurricane Ida2021711$22.5 million
Flooding1989670$14.6 million
Hurricane Katrina20051,736$12.5 million
Hurricane Francine2024209$9.9 million
2026-06-Arthur-TS2026116$4.6 million
Tropical Storm Isidore2002129$2.0 million
Hurricane Isaac2012176$1.6 million

How many homes have flood insurance

FEMA counts 9,907 residential NFIP policies in St. Charles Parish, against 17,783 residential buildings (55.7%). Private flood policies aren't in these counts.

Whether you're required to carry flood insurance depends on your flood zone and your mortgage. See do I need flood insurance?

What flood insurance costs in St. Charles Parish

On June 30, 2026, 10,524 NFIP flood insurance policies were in force in St. Charles Parish, Louisiana. For the 9,676 single-family homes among them, the typical (median) yearly cost was about $1,140; the average was $1,320.

Rated flood zonePoliciesTypical yearly cost, single-family homeAverage costAverage building coverage
High-risk zones (A and V)7,487$1,190$1,380$225,000
Moderate- and low-risk zones (B, C and X)3,037$1,090$1,140$229,000

Cost here is what FEMA's data lists as the policy cost: the premium plus the reserve fund assessment, federal policy fee and HFIAA surcharge. It covers single-family homes only (not condos, apartments or businesses), with costs rounded to the nearest $10 and shown only where at least 20 homes back the figure. Your own price depends on your building and the coverage you choose; see how flood insurance is priced. Private flood insurance isn't included.

Flood-related disaster declarations

DeclarationDeclaredEventHelp for individuals
DR-4277-LA Aug 14, 2016 Severe Storms and Flooding Yes
DR-4015-LA Aug 18, 2011 Flooding No
EM-3322-LA May 6, 2011 Flooding No
DR-1792-LA Sep 13, 2008 Hurricane Ike Yes
DR-1786-LA Sep 2, 2008 Hurricane Gustav Yes

Check your own address

County numbers can't tell you about a single building. Look up your property on FEMA's flood map, then read what your flood zone means. More counties: all of Louisiana.

Where these numbers come from

All figures on this page are calculated from FEMA's public OpenFEMA datasets:

FEMA's redacted claims data doesn't identify properties, and FEMA notes that some records lack a county or flood zone. See how we use the data.