InsureWatch

70541

Extreme86

Grand Coteau, Louisiana — St. Landry County

Pop. 767Median Income $62,560Median Home $140,600
0/ 100Extreme Risk

2025 Estimated Premium

$2,729/yr

+8.2% from 2022 actual ($2,521)

Projected using FRED CPI for Household Insurance, adjusted for this ZIP's historical trend. Not a quote.

Avg Premium (2022)

$2,521

+11.1%

2018–2025

Nonrenewal Rate

4.35%

2018–2022

Claim Frequency

2.9%

Avg Claim Amount

$10,476

Score Breakdown

Premium Level (25%)89
Premium Trend (20%)100
Nonrenewal Risk (20%)98
Storm Exposure (15%)79
Affordability (10%)88
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
20184 events
Property damage$112,000
1 tornado
19
20199 events
Property damage$139,000
3 tornado4 flood
20
20206 events
Property damage$297,000
2 tornado
21
20215 events1 fatalities
Property damage$1,045,000
5 tornado
22
20222 events
Property damage$10,000
2 flood
23
202311 events
Property damage$312,000
2 tornado1 flood
24
202425 events
Property damage$126,000
3 tornado2 hail3 flood
25
20257 events
Property damage$47,000
1 tornado1 hail1 flood

Nearby ZIP Codes

70584Sunset, LA
69High
70520Carencro, LA
68High
70512Leonville, LA
64High
70570Opelousas, LA
62High
70507Lafayette, LA
66High

Compare home insurance quotes in Grand Coteau, LA

See rates from top carriers. It takes 2 minutes and could save you hundreds.

The Zebra →Insurify →Policygenius →

Ad · We may earn a commission when you get a quote through our partners. This doesn't affect our data or scores.

Buying a home in Grand Coteau, LA? Check mortgage rates

Compare rates from top lenders

Get alerts when your ZIP's risk changes

We'll email you when premiums spike, nonrenewal rates jump, or a major storm hits your area.

AI Risk Report

Get a detailed narrative analysis of this ZIP

Also from us: CrashWatch

See car crash data, road safety scores, and traffic fatality stats for Grand Coteau, LA.

Compare this ZIP

See how 70541 stacks up against another ZIP code or city.

Compare Now

Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.