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Flood insurance cost · ZIP 70001 · LA

Flood insurance cost in ZIP 70001 (unincorporated Jefferson Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 7,703 home policies in force on August 31, 2026.

ZIP code 70001 (unincorporated Jefferson Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,208a year

Half of insured homes paid between $989 and $1,460. That is about the same as the Jefferson Parish median ($1,220). Most insured homes here are rated in zone AE (66%).

$0$989 · $1,208 · $1,460$1,825
+11.5% vs Aug 31, 2025 (median $1,083)
7,703home policies in force
$1,231average cost (mean)
66%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 ZIP code 70001

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 AE
High risk		$1,309$1,090–$1,581$1,3385,063 (66%)+6.2%
Zone X
Moderate to low risk		$1,056$850–$1,228$1,0262,640 (34%)+9.2%

Not shown (fewer than 10 home policies): VE, 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 ZIP code 70001, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home6,845$1,210$1,238
2–4 unit building725$1,308$1,303
Condo or apartment unit131$438$460
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.		323$2,480$2,311
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		628$1,714$1,854

Not shown (fewer than 10 policies): manufactured (mobile) home.

8,654NFIP policies in force, any building
9,214insured units (condo association policies count every unit)
88%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 70001

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 force7,9867,703−3.5%
Median annual cost$1,083$1,208+11.5%
Average annual cost$1,172$1,231+5.0%
All policies in force (any building)8,9568,654−3.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70001 have filed 10,810 flood claims. 7,977 received a payment, for a total of $313.9 million (an average of $39,349 per paid claim). The year with the most claims was 2005 (5,514 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1978: 144 claims, 118 paid, $550,109 in total1979: 12 claims1980: 256 claims, 196 paid, $1,078,144 in total19801981: 17 claims, 12 paid, $65,999 in total1982: 56 claims, 36 paid, $196,138 in total1983: 340 claims, 251 paid, $1,710,571 in total19831985: 10 claims1988: 47 claims, 33 paid, $139,926 in total1989: 216 claims, 181 paid, $1,909,501 in total19901991: 157 claims, 131 paid, $715,394 in total1992: 13 claims, 11 paid, $46,417 in total1995: 3,171 claims, 2,949 paid, $58,310,054 in total19951998: 166 claims, 121 paid, $683,815 in total2000: 12 claims20002001: 43 claims, 27 paid, $146,735 in total2002: 115 claims, 80 paid, $916,222 in total2004: 12 claims2005: 5,514 claims, 3,509 paid, $240,083,437 in total20052006: 13 claims2008: 56 claims, 18 paid, $93,588 in total2009: 75 claims, 63 paid, $1,067,708 in total20102011: 22 claims, 13 paid, $162,185 in total2012: 77 claims, 37 paid, $383,703 in total2019: 20 claims, 17 paid, $664,396 in total20202021: 91 claims, 37 paid, $772,416 in total2024: 69 claims, 67 paid, $3,452,090 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 (26)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20246967$3,452,090$51,524
20219137$772,416$20,876
20192017$664,396$39,082
20127737$383,703$10,370
20112213$162,185$12,476
20097563$1,067,708$16,948
20085618$93,588$5,199
200613<10––
20055,5143,509$240,083,437$68,419
200412<10––
200211580$916,222$11,453
20014327$146,735$5,435
200012<10––
1998166121$683,815$5,651
19953,1712,949$58,310,054$19,773
19921311$46,417$4,220
1991157131$715,394$5,461
1989216181$1,909,501$10,550
19884733$139,926$4,240
198510<10––
1983340251$1,710,571$6,815
19825636$196,138$5,448
19811712$65,999$5,500
1980256196$1,078,144$5,501
197912<10––
1978144118$550,109$4,662

From 2016 to 2026: 180 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.

NFIP communities in this ZIP code

Unincorporated Jefferson Parish (7,703 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.