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Flood insurance cost · Jefferson Parish, LA

Flood insurance cost in Jefferson Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 73,115 home policies in force on August 31, 2026.

Jefferson Parish, LouisianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,220a year

Half of insured homes paid between $1,005 and $1,429. That is 9% more than the Louisiana median ($1,119). Most insured homes here are rated in zone AE (54%).

$0$1,005 · $1,220 · $1,429$1,786
+14.2% vs Aug 31, 2025 (median $1,068)
73,115home policies in force
$1,298average cost (mean)
55%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Jefferson Parish

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$1,676$1,226–$2,513$2,095405 (1%)+7.8%
Zone AE
High risk		$1,285$1,031–$1,715$1,43439,730 (54%)+8.2%
Zone X
Moderate to low risk		$1,094$970–$1,263$1,12432,976 (45%)+7.7%

Not shown (fewer than 10 home policies): A, AO, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Jefferson Parish, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home68,264$1,226$1,309
2–4 unit building3,609$1,296$1,340
Manufactured (mobile) home93$1,097$1,140
Condo or apartment unit1,149$483$507
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		2,196$1,645$2,001
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		5,764$2,052$2,645
81,075NFIP policies in force, any building
85,441insured units (condo association policies count every unit)
87%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Jefferson Parish

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force76,58973,115−4.5%
Median annual cost$1,068$1,220+14.2%
Average annual cost$1,201$1,298+8.1%
All policies in force (any building)84,77581,075−4.4%

How many homes have flood insurance?

64.9%of all homes in Jefferson Parish have an NFIP policy
113.1%of homes in high-risk zones (special flood hazard area) have one
116,441residential buildings counted by FEMA
36,689of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Jefferson Parish, Louisiana have filed 135,843 flood claims. 100,483 received a payment, for a total of $3.6 billion (an average of $35,745 per paid claim). The year with the most claims was 2005 (65,916 claims). Amounts are in dollars of the time, not adjusted for inflation.

020k40k60k80k1978: 3,965 claims, 3,553 paid, $21,596,673 in total1979: 399 claims, 297 paid, $1,253,276 in total1980: 7,853 claims, 6,966 paid, $51,818,663 in total198019801981: 395 claims, 302 paid, $742,581 in total1982: 3,085 claims, 2,682 paid, $18,614,639 in total1983: 5,123 claims, 4,095 paid, $21,914,131 in total1984: 45 claims, 20 paid, $62,945 in total1985: 2,173 claims, 1,865 paid, $35,552,822 in total1986: 37 claims, 18 paid, $32,951 in total1987: 44 claims, 19 paid, $31,948 in total1988: 2,275 claims, 1,907 paid, $12,083,037 in total1989: 4,118 claims, 3,523 paid, $32,511,482 in total1990: 964 claims, 795 paid, $4,031,700 in total19901991: 904 claims, 643 paid, $3,379,677 in total1992: 444 claims, 280 paid, $1,325,608 in total1993: 75 claims, 47 paid, $365,067 in total1994: 235 claims, 180 paid, $961,621 in total1995: 16,114 claims, 14,462 paid, $303,420,209 in total19951996: 91 claims, 53 paid, $284,413 in total1997: 447 claims, 345 paid, $2,863,465 in total1998: 2,882 claims, 2,294 paid, $18,911,162 in total1999: 171 claims, 116 paid, $934,473 in total2000: 70 claims, 33 paid, $159,960 in total20002001: 896 claims, 597 paid, $3,007,882 in total2002: 2,912 claims, 2,008 paid, $20,094,772 in total2003: 205 claims, 98 paid, $516,816 in total2004: 521 claims, 412 paid, $4,640,316 in total2005: 65,916 claims, 44,708 paid, $2,767,695,734 in total20052006: 91 claims, 40 paid, $423,539 in total2007: 152 claims, 97 paid, $836,747 in total2008: 2,810 claims, 1,710 paid, $49,670,566 in total2009: 623 claims, 483 paid, $6,365,151 in total2010: 57 claims, 34 paid, $280,301 in total20102011: 751 claims, 501 paid, $6,781,775 in total2012: 2,851 claims, 1,488 paid, $30,602,166 in total2013: 133 claims, 58 paid, $547,528 in total2014: 60 claims, 23 paid, $346,795 in total2015: 96 claims, 40 paid, $374,884 in total2016: 164 claims, 93 paid, $1,564,340 in total2017: 161 claims, 100 paid, $1,739,606 in total2018: 70 claims, 32 paid, $656,313 in total2019: 183 claims, 122 paid, $3,530,818 in total2020: 234 claims, 102 paid, $1,867,197 in total20202021: 3,567 claims, 2,013 paid, $94,300,369 in total2022: 56 claims, 28 paid, $681,592 in total2023: 20 claims2024: 1,193 claims, 1,035 paid, $56,236,951 in total2025: 27 claims, 11 paid, $273,929 in total2026: 185 claims, 151 paid, $5,831,995 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2026185151$5,831,995$38,622
20252711$273,929$24,903
20241,1931,035$56,236,951$54,335
202320<10––
20225628$681,592$24,343
20213,5672,013$94,300,369$46,846
2020234102$1,867,197$18,306
2019183122$3,530,818$28,941
20187032$656,313$20,510
2017161100$1,739,606$17,396
201616493$1,564,340$16,821
20159640$374,884$9,372
20146023$346,795$15,078
201313358$547,528$9,440
20122,8511,488$30,602,166$20,566
2011751501$6,781,775$13,536
20105734$280,301$8,244
2009623483$6,365,151$13,178
20082,8101,710$49,670,566$29,047
200715297$836,747$8,626
20069140$423,539$10,588
200565,91644,708$2,767,695,734$61,906
2004521412$4,640,316$11,263
200320598$516,816$5,274
20022,9122,008$20,094,772$10,007
2001896597$3,007,882$5,038
20007033$159,960$4,847
1999171116$934,473$8,056
19982,8822,294$18,911,162$8,244
1997447345$2,863,465$8,300
19969153$284,413$5,366
199516,11414,462$303,420,209$20,981
1994235180$961,621$5,342
19937547$365,067$7,767
1992444280$1,325,608$4,734
1991904643$3,379,677$5,256
1990964795$4,031,700$5,071
19894,1183,523$32,511,482$9,228
19882,2751,907$12,083,037$6,336
19874419$31,948$1,681
19863718$32,951$1,831
19852,1731,865$35,552,822$19,063
19844520$62,945$3,147
19835,1234,095$21,914,131$5,351
19823,0852,682$18,614,639$6,941
1981395302$742,581$2,459
19807,8536,966$51,818,663$7,439
1979399297$1,253,276$4,220
19783,9653,553$21,596,673$6,078

From 2016 to 2026: 5,860 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

ZIP codes in Jefferson Parish

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Unincorporated Jefferson Parish (56,686 home policies) · Kenner (10,753 home policies) · Gretna (2,123 home policies) · Harahan (1,910 home policies) · Westwego (824 home policies) · Grand Isle (429 home policies)