Menu

Flood insurance cost · ZIP 70002 · LA

Flood insurance cost in ZIP 70002 (unincorporated Jefferson Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,824 home policies in force on August 31, 2026.

ZIP code 70002 (unincorporated Jefferson Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,261a year

Half of insured homes paid between $1,084 and $1,474. That is 3% more than the Jefferson Parish median ($1,220). Most insured homes here are rated in zone AE (58%).

$0$1,084 · $1,261 · $1,474$1,842
+16.8% vs Aug 31, 2025 (median $1,080)
3,824home policies in force
$1,344average cost (mean)
58%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 70002

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		$1,344$1,089–$1,724$1,4242,201 (58%)+13.9%
Zone X
Moderate to low risk		$1,257$1,084–$1,266$1,2361,623 (42%)+16.7%

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 70002, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,497$1,263$1,384
2–4 unit building154$1,354$1,369
Condo or apartment unit173$485$506
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.		246$1,788$2,183
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		686$2,146$2,236

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

4,756NFIP policies in force, any building
5,808insured units (condo association policies count every unit)
92%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 70002

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 force3,9283,824−2.6%
Median annual cost$1,080$1,261+16.8%
Average annual cost$1,213$1,344+10.8%
All policies in force (any building)4,8814,756−2.6%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70002 have filed 5,749 flood claims. 4,608 received a payment, for a total of $401.1 million (an average of $87,049 per paid claim). The year with the most claims was 2005 (4,447 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1978: 51 claims, 33 paid, $86,315 in total1980: 121 claims, 98 paid, $427,610 in total19801983: 172 claims, 127 paid, $869,010 in total19831988: 10 claims1989: 62 claims, 38 paid, $190,437 in total19901991: 12 claims1995: 469 claims, 358 paid, $5,012,115 in total19951998: 32 claims, 18 paid, $104,080 in total20002001: 15 claims2002: 72 claims, 37 paid, $238,163 in total2005: 4,447 claims, 3,772 paid, $391,443,362 in total20052008: 23 claims20102012: 66 claims, 18 paid, $212,504 in total20202021: 65 claims, 18 paid, $905,390 in total2024: 24 claims, 21 paid, $1,230,228 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 (15)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20242421$1,230,228$58,582
20216518$905,390$50,299
20126618$212,504$11,806
200823<10––
20054,4473,772$391,443,362$103,776
20027237$238,163$6,437
200115<10––
19983218$104,080$5,782
1995469358$5,012,115$14,000
199112<10––
19896238$190,437$5,012
198810<10––
1983172127$869,010$6,843
198012198$427,610$4,363
19785133$86,315$2,616

From 2016 to 2026: 89 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 (3,824 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.