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Flood insurance cost · St. Tammany Parish, LA

Flood insurance cost in St. Tammany Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 36,603 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,234a year

Half of insured homes paid between $1,048 and $1,499. That is 10% more than the Louisiana median ($1,119). Most insured homes here are rated in zone X (54%).

$0$1,048 · $1,234 · $1,499$1,874
+14.4% vs Aug 31, 2025 (median $1,079)
36,603home policies in force
$1,460average cost (mean)
46%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.

Disaster declarations: 2 FEMA declarations · individual aid. FEMA declarations and IRS tax relief in St. Tammany Parish.

Cost by flood zone in St. Tammany 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		$2,956$1,653–$4,719$3,401320 (1%)+6.6%
Zone AE
High risk		$1,636$1,148–$2,439$1,90314,488 (40%)+14.4%
Zone A
High risk		$1,081$877–$1,330$1,1711,962 (5%)+6.4%
Zone AH
High risk, shallow		$1,257$1,186–$1,292$1,74019 (0%)+21.6%
Zone X
Moderate to low risk		$1,128$1,020–$1,266$1,13419,813 (54%)+8.8%

Not shown (fewer than 10 home policies): AO, 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. Tammany Parish, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home35,305$1,234$1,471
2–4 unit building452$1,482$1,817
Manufactured (mobile) home233$877$1,008
Condo or apartment unit613$692$759
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.		619$1,730$2,548
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		2,043$2,715$3,399
39,265NFIP policies in force, any building
40,368insured units (condo association policies count every unit)
88%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: St. Tammany 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 force39,43136,603−7.2%
Median annual cost$1,079$1,234+14.4%
Average annual cost$1,304$1,460+12.0%
All policies in force (any building)42,17639,265−6.9%

How many homes have flood insurance?

40.5%of all homes in St. Tammany Parish have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
92,439residential buildings counted by FEMA
0of 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. Tammany Parish, Louisiana have filed 38,450 flood claims. 29,640 received a payment, for a total of $1.8 billion (an average of $60,111 per paid claim). The year with the most claims was 2005 (18,280 claims). Amounts are in dollars of the time, not adjusted for inflation.

05k10k15k20k1978: 42 claims, 35 paid, $81,536 in total1979: 165 claims, 139 paid, $639,728 in total1980: 465 claims, 369 paid, $2,518,538 in total19801981: 38 claims, 29 paid, $59,514 in total1982: 28 claims, 21 paid, $91,922 in total1983: 721 claims, 642 paid, $10,014,912 in total1985: 444 claims, 339 paid, $4,532,691 in total1987: 20 claims1988: 129 claims, 91 paid, $448,159 in total1989: 12 claims1990: 44 claims, 34 paid, $194,320 in total19901991: 130 claims, 100 paid, $567,395 in total1992: 206 claims, 130 paid, $999,512 in total1993: 191 claims, 148 paid, $1,263,579 in total1994: 16 claims1995: 3,362 claims, 2,959 paid, $61,363,370 in total19951996: 254 claims, 189 paid, $1,326,540 in total1997: 46 claims, 35 paid, $170,330 in total1998: 786 claims, 611 paid, $7,224,385 in total2000: 50 claims, 35 paid, $219,083 in total20002001: 1,656 claims, 1,427 paid, $25,248,950 in total2002: 1,786 claims, 1,389 paid, $33,734,037 in total2003: 387 claims, 280 paid, $3,531,251 in total2004: 296 claims, 245 paid, $3,465,025 in total2005: 18,280 claims, 13,567 paid, $1,371,133,815 in total20052006: 70 claims, 45 paid, $611,509 in total2007: 76 claims, 54 paid, $1,019,976 in total2008: 966 claims, 656 paid, $12,186,948 in total2009: 60 claims, 41 paid, $396,458 in total2010: 17 claims20102011: 136 claims, 99 paid, $2,397,912 in total2012: 3,012 claims, 2,390 paid, $81,324,728 in total20122013: 22 claims, 11 paid, $123,336 in total2014: 52 claims, 31 paid, $394,219 in total2015: 49 claims, 22 paid, $347,419 in total2016: 963 claims, 824 paid, $54,243,187 in total2017: 58 claims, 36 paid, $530,010 in total2018: 69 claims, 48 paid, $1,243,332 in total2019: 54 claims, 37 paid, $828,347 in total2020: 240 claims, 153 paid, $6,985,258 in total20202021: 2,609 claims, 2,039 paid, $80,513,869 in total2022: 26 claims2023: 23 claims, 11 paid, $166,645 in total2024: 269 claims, 203 paid, $6,957,966 in total2025: 13 claims2026: 94 claims, 80 paid, $2,242,241 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 (46)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20269480$2,242,241$28,028
202513<10––
2024269203$6,957,966$34,276
20232311$166,645$15,150
202226<10––
20212,6092,039$80,513,869$39,487
2020240153$6,985,258$45,655
20195437$828,347$22,388
20186948$1,243,332$25,903
20175836$530,010$14,722
2016963824$54,243,187$65,829
20154922$347,419$15,792
20145231$394,219$12,717
20132211$123,336$11,212
20123,0122,390$81,324,728$34,027
201113699$2,397,912$24,221
201017<10––
20096041$396,458$9,670
2008966656$12,186,948$18,578
20077654$1,019,976$18,888
20067045$611,509$13,589
200518,28013,567$1,371,133,815$101,064
2004296245$3,465,025$14,143
2003387280$3,531,251$12,612
20021,7861,389$33,734,037$24,287
20011,6561,427$25,248,950$17,694
20005035$219,083$6,260
1998786611$7,224,385$11,824
19974635$170,330$4,867
1996254189$1,326,540$7,019
19953,3622,959$61,363,370$20,738
199416<10––
1993191148$1,263,579$8,538
1992206130$999,512$7,689
1991130100$567,395$5,674
19904434$194,320$5,715
198912<10––
198812991$448,159$4,925
198720<10––
1985444339$4,532,691$13,371
1983721642$10,014,912$15,600
19822821$91,922$4,377
19813829$59,514$2,052
1980465369$2,518,538$6,825
1979165139$639,728$4,602
19784235$81,536$2,330

From 2016 to 2026: 4,418 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. Tammany Parish

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

Main NFIP communities in the county

Unincorporated St. Tammany Parish (28,243 home policies) · Slidell (4,637 home policies) · Mandeville (2,056 home policies) · Covington (994 home policies) · Abita Springs (291 home policies) · Madisonville (243 home policies)