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Flood insurance cost · Tangipahoa Parish, LA

Flood insurance cost in Tangipahoa Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 6,696 home policies in force on August 31, 2026.

Tangipahoa Parish, LouisianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,127a year

Half of insured homes paid between $963 and $1,271. That is about the same as the Louisiana median ($1,119). Most insured homes here are rated in zone X (57%).

$0$963 · $1,127 · $1,271$1,589
+10.3% vs Aug 31, 2025 (median $1,022)
6,696home policies in force
$1,204average cost (mean)
43%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 Tangipahoa 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		$1,232$812–$1,381$1,16214 (0%)−1.2%
Zone AE
High risk		$1,234$924–$1,618$1,3671,444 (22%)+9.0%
Zone A
High risk		$1,193$924–$1,520$1,2611,404 (21%)+8.0%
Zone X
Moderate to low risk		$1,087$996–$1,264$1,1223,830 (57%)+11.4%

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

Type of buildingPoliciesMedianAverage
Single-family home6,196$1,129$1,206
2–4 unit building260$1,311$1,383
Manufactured (mobile) home207$916$1,035
Condo or apartment unit33$594$575
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.		86$1,532$2,428
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		432$2,126$2,561
7,214NFIP policies in force, any building
7,256insured units (condo association policies count every unit)
80%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Tangipahoa 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 force7,4026,696−9.5%
Median annual cost$1,022$1,127+10.3%
Average annual cost$1,093$1,204+10.2%
All policies in force (any building)7,9487,214−9.2%

How many homes have flood insurance?

15.1%of all homes in Tangipahoa Parish have an NFIP policy
34.1%of homes in high-risk zones (special flood hazard area) have one
45,242residential buildings counted by FEMA
8,591of 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 Tangipahoa Parish, Louisiana have filed 4,299 flood claims. 3,494 received a payment, for a total of $177.6 million (an average of $50,842 per paid claim). The year with the most claims was 2016 (1,695 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 14 claims, 13 paid, $66,778 in total1980: 29 claims, 23 paid, $92,545 in total19801983: 129 claims, 117 paid, $1,608,520 in total1985: 23 claims, 20 paid, $216,102 in total1987: 12 claims, 11 paid, $39,678 in total1990: 15 claims, 12 paid, $26,257 in total19901991: 11 claims1992: 30 claims, 22 paid, $188,215 in total1993: 44 claims, 32 paid, $275,800 in total1994: 25 claims1995: 36 claims, 27 paid, $161,120 in total1996: 20 claims, 13 paid, $83,936 in total1998: 34 claims, 26 paid, $237,901 in total20002001: 33 claims, 22 paid, $183,798 in total2002: 84 claims, 42 paid, $661,348 in total2003: 56 claims, 38 paid, $567,233 in total2004: 35 claims, 30 paid, $459,729 in total2005: 220 claims, 75 paid, $2,633,811 in total2008: 172 claims, 142 paid, $3,659,740 in total20102011: 29 claims, 23 paid, $437,886 in total2012: 345 claims, 279 paid, $10,855,062 in total20122013: 13 claims, 11 paid, $152,713 in total2016: 1,695 claims, 1,528 paid, $98,358,578 in total20162017: 15 claims2019: 15 claims2020: 49 claims, 44 paid, $1,809,399 in total20202021: 1,031 claims, 872 paid, $53,616,994 in total20212024: 15 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 (28)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202415<10––
20211,031872$53,616,994$61,487
20204944$1,809,399$41,123
201915<10––
201715<10––
20161,6951,528$98,358,578$64,371
20131311$152,713$13,883
2012345279$10,855,062$38,907
20112923$437,886$19,039
2008172142$3,659,740$25,773
200522075$2,633,811$35,117
20043530$459,729$15,324
20035638$567,233$14,927
20028442$661,348$15,746
20013322$183,798$8,354
19983426$237,901$9,150
19962013$83,936$6,457
19953627$161,120$5,967
199425<10––
19934432$275,800$8,619
19923022$188,215$8,555
199111<10––
19901512$26,257$2,188
19871211$39,678$3,607
19852320$216,102$10,805
1983129117$1,608,520$13,748
19802923$92,545$4,024
19791413$66,778$5,137

From 2016 to 2026: 2,820 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 Tangipahoa Parish

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

Main NFIP communities in the county

Unincorporated Tangipahoa Parish (5,142 home policies) · Hammond (1,045 home policies) · Ponchatoula (312 home policies) · Independence (78 home policies) · Tickfaw (53 home policies) · Amite City (35 home policies)