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Flood insurance cost · ZIP 70003 · LA

Flood insurance cost in ZIP 70003 (unincorporated Jefferson Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 10,228 home policies in force on August 31, 2026.

ZIP code 70003 (unincorporated Jefferson Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,230a year

Half of insured homes paid between $1,050 and $1,425. That is about the same as the Jefferson Parish median ($1,220). Most insured homes here are rated in zone AE (79%).

$0$1,050 · $1,230 · $1,425$1,781
+13.5% vs Aug 31, 2025 (median $1,084)
10,228home policies in force
$1,254average cost (mean)
79%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 70003

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		$1,237$1,034–$1,474$1,2718,125 (79%)+6.6%
Zone X
Moderate to low risk		$1,226$1,080–$1,263$1,1892,103 (21%)+16.1%

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 70003, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home9,934$1,231$1,257
2–4 unit building252$1,230$1,249
Condo or apartment unit36$520$499
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.		74$1,812$2,075
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		316$1,896$2,016

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

10,618NFIP policies in force, any building
10,890insured units (condo association policies count every unit)
87%of home policies also cover contents
$67,000median contents coverage, when bought

One year on: ZIP code 70003

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 force10,42910,228−1.9%
Median annual cost$1,084$1,230+13.5%
Average annual cost$1,186$1,254+5.7%
All policies in force (any building)10,83510,618−2.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70003 have filed 15,506 flood claims. 11,789 received a payment, for a total of $426.2 million (an average of $36,150 per paid claim). The year with the most claims was 2005 (8,435 claims). Amounts are in dollars of the time, not adjusted for inflation.

02.5k5k7.5k10k1978: 80 claims, 59 paid, $143,761 in total1979: 19 claims1980: 289 claims, 233 paid, $903,534 in total19801981: 24 claims, 14 paid, $34,467 in total1982: 20 claims1983: 348 claims, 264 paid, $1,192,212 in total1985: 17 claims1988: 81 claims, 60 paid, $205,514 in total1989: 826 claims, 698 paid, $6,482,819 in total19891990: 11 claims19901991: 18 claims1992: 14 claims1995: 3,654 claims, 3,373 paid, $71,548,917 in total19951998: 105 claims, 64 paid, $226,962 in total20002001: 85 claims, 49 paid, $245,704 in total2002: 553 claims, 453 paid, $6,114,388 in total2003: 16 claims2004: 23 claims, 18 paid, $71,082 in total2005: 8,435 claims, 6,048 paid, $329,714,040 in total20052008: 93 claims, 18 paid, $111,843 in total2009: 49 claims, 38 paid, $447,390 in total20102011: 58 claims, 36 paid, $372,471 in total2012: 171 claims, 62 paid, $601,367 in total2013: 11 claims2016: 14 claims2017: 13 claims, 10 paid, $198,294 in total2019: 14 claims2020: 16 claims20202021: 204 claims, 48 paid, $883,291 in total2024: 130 claims, 107 paid, $4,480,050 in total2026: 43 claims, 35 paid, $1,289,638 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 (31)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20264335$1,289,638$36,847
2024130107$4,480,050$41,870
202120448$883,291$18,402
202016<10––
201914<10––
20171310$198,294$19,829
201614<10––
201311<10––
201217162$601,367$9,699
20115836$372,471$10,346
20094938$447,390$11,773
20089318$111,843$6,214
20058,4356,048$329,714,040$54,516
20042318$71,082$3,949
200316<10––
2002553453$6,114,388$13,498
20018549$245,704$5,014
199810564$226,962$3,546
19953,6543,373$71,548,917$21,212
199214<10––
199118<10––
199011<10––
1989826698$6,482,819$9,288
19888160$205,514$3,425
198517<10––
1983348264$1,192,212$4,516
198220<10––
19812414$34,467$2,462
1980289233$903,534$3,878
197919<10––
19788059$143,761$2,437

From 2016 to 2026: 434 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 (10,151 home policies) · Kenner (74 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.