Menu

Flood insurance cost · St. Bernard Parish, LA

Flood insurance cost in St. Bernard Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 8,253 home policies in force on August 31, 2026.

St. Bernard Parish, LouisianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,146a year

Half of insured homes paid between $1,018 and $1,266. That is 2% more than the Louisiana median ($1,119). Most insured homes here are rated in zone X (74%).

$0$1,018 · $1,146 · $1,266$1,582
+8.6% vs Aug 31, 2025 (median $1,055)
8,253home policies in force
$1,166average cost (mean)
26%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 St. Bernard 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		$1,577$1,404–$1,921$1,90396 (1%)+11.8%
Zone AE
High risk		$1,243$1,072–$1,429$1,2792,071 (25%)+9.2%
Zone X
Moderate to low risk		$1,105$1,007–$1,259$1,1156,085 (74%)+6.7%

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 St. Bernard Parish, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home7,371$1,144$1,165
2–4 unit building764$1,214$1,231
Manufactured (mobile) home97$849$849
Condo or apartment unit21$380$553
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.		63$1,499$1,787
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		633$1,987$2,125
8,949NFIP policies in force, any building
8,980insured units (condo association policies count every unit)
87%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: St. Bernard 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 force8,8188,253−6.4%
Median annual cost$1,055$1,146+8.6%
Average annual cost$1,060$1,166+10.0%
All policies in force (any building)9,5438,949−6.2%

How many homes have flood insurance?

56.8%of all homes in St. Bernard Parish have an NFIP policy
113.7%of homes in high-risk zones (special flood hazard area) have one
14,712residential buildings counted by FEMA
1,922of 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 St. Bernard Parish, Louisiana have filed 23,934 flood claims. 21,747 received a payment, for a total of $2.2 billion (an average of $103,258 per paid claim). The year with the most claims was 2005 (16,719 claims). Amounts are in dollars of the time, not adjusted for inflation.

05k10k15k20k1978: 1,280 claims, 1,172 paid, $9,975,349 in total19781979: 43 claims, 32 paid, $56,093 in total1980: 1,084 claims, 976 paid, $6,451,292 in total198019801981: 15 claims, 10 paid, $10,603 in total1982: 280 claims, 236 paid, $705,202 in total1983: 820 claims, 695 paid, $5,532,818 in total1985: 224 claims, 189 paid, $1,703,868 in total1988: 110 claims, 66 paid, $164,613 in total1989: 91 claims, 70 paid, $293,237 in total1990: 148 claims, 110 paid, $528,377 in total19901991: 34 claims, 21 paid, $73,196 in total1992: 61 claims, 44 paid, $229,245 in total1993: 12 claims1994: 21 claims, 11 paid, $36,022 in total1995: 728 claims, 589 paid, $4,593,667 in total1996: 64 claims, 58 paid, $387,247 in total1997: 100 claims, 73 paid, $282,968 in total1998: 355 claims, 298 paid, $2,709,206 in total1999: 12 claims2000: 14 claims20002001: 170 claims, 126 paid, $510,683 in total2002: 504 claims, 367 paid, $3,221,654 in total2003: 63 claims, 44 paid, $175,912 in total2004: 73 claims, 49 paid, $519,531 in total2005: 16,719 claims, 16,048 paid, $2,200,381,764 in total20052008: 121 claims, 50 paid, $754,530 in total2009: 31 claims, 22 paid, $186,557 in total20102011: 30 claims, 18 paid, $197,589 in total2012: 394 claims, 230 paid, $3,150,977 in total2013: 11 claims2019: 22 claims, 12 paid, $285,753 in total2020: 37 claims, 11 paid, $116,699 in total20202021: 182 claims, 77 paid, $1,666,801 in total2024: 13 claims
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 (34)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202413<10––
202118277$1,666,801$21,647
20203711$116,699$10,609
20192212$285,753$23,813
201311<10––
2012394230$3,150,977$13,700
20113018$197,589$10,977
20093122$186,557$8,480
200812150$754,530$15,091
200516,71916,048$2,200,381,764$137,113
20047349$519,531$10,603
20036344$175,912$3,998
2002504367$3,221,654$8,778
2001170126$510,683$4,053
200014<10––
199912<10––
1998355298$2,709,206$9,091
199710073$282,968$3,876
19966458$387,247$6,677
1995728589$4,593,667$7,799
19942111$36,022$3,275
199312<10––
19926144$229,245$5,210
19913421$73,196$3,486
1990148110$528,377$4,803
19899170$293,237$4,189
198811066$164,613$2,494
1985224189$1,703,868$9,015
1983820695$5,532,818$7,961
1982280236$705,202$2,988
19811510$10,603$1,060
19801,084976$6,451,292$6,610
19794332$56,093$1,753
19781,2801,172$9,975,349$8,511

From 2016 to 2026: 254 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 St. Bernard Parish

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

Main NFIP communities in the county

Unincorporated St. Bernard Parish (8,241 home policies) · Unincorporated New Orleans/orleans Parish (12 home policies)