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Flood insurance cost · ZIP 70005 · LA

Flood insurance cost in ZIP 70005 (unincorporated Jefferson Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 6,513 home policies in force on August 31, 2026.

ZIP code 70005 (unincorporated Jefferson Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,210a year

Half of insured homes paid between $1,048 and $1,403. That is about the same as the Jefferson Parish median ($1,220). Most insured homes here are rated in zone X (52%).

$0$1,048 · $1,210 · $1,403$1,754
+12.0% vs Aug 31, 2025 (median $1,080)
6,513home policies in force
$1,280average cost (mean)
48%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 70005

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		$1,324$1,090–$1,746$1,4513,126 (48%)+6.3%
Zone X
Moderate to low risk		$1,106$1,018–$1,260$1,1233,387 (52%)+4.7%

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 70005, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home5,945$1,218$1,300
2–4 unit building410$1,260$1,291
Condo or apartment unit157$473$488
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.		186$1,801$2,248
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		348$1,716$1,907

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

7,047NFIP policies in force, any building
7,673insured units (condo association policies count every unit)
91%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 70005

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 force6,7366,513−3.3%
Median annual cost$1,080$1,210+12.0%
Average annual cost$1,195$1,280+7.1%
All policies in force (any building)7,2797,047−3.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70005 have filed 7,974 flood claims. 5,915 received a payment, for a total of $350.4 million (an average of $59,234 per paid claim). The year with the most claims was 2005 (4,784 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1978: 232 claims, 199 paid, $772,549 in total1979: 12 claims1980: 181 claims, 142 paid, $450,465 in total19801981: 25 claims, 19 paid, $34,460 in total1982: 31 claims, 19 paid, $66,924 in total1983: 319 claims, 252 paid, $1,313,124 in total19831985: 12 claims1988: 43 claims, 36 paid, $92,134 in total1989: 67 claims, 42 paid, $141,559 in total1990: 59 claims, 44 paid, $344,740 in total19901991: 81 claims, 60 paid, $457,683 in total1992: 18 claims1995: 1,353 claims, 1,219 paid, $25,991,571 in total19951998: 222 claims, 172 paid, $976,184 in total20002001: 20 claims2002: 132 claims, 92 paid, $726,095 in total2003: 10 claims2005: 4,784 claims, 3,366 paid, $312,327,037 in total20052008: 31 claims2009: 43 claims, 36 paid, $533,551 in total20102011: 15 claims2012: 53 claims, 23 paid, $445,705 in total2017: 16 claims, 12 paid, $177,888 in total2019: 13 claims, 10 paid, $223,273 in total20202021: 75 claims, 31 paid, $1,309,811 in total2024: 62 claims, 56 paid, $3,066,003 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
20246256$3,066,003$54,750
20217531$1,309,811$42,252
20191310$223,273$22,327
20171612$177,888$14,824
20125323$445,705$19,378
201115<10––
20094336$533,551$14,821
200831<10––
20054,7843,366$312,327,037$92,789
200310<10––
200213292$726,095$7,892
200120<10––
1998222172$976,184$5,675
19951,3531,219$25,991,571$21,322
199218<10––
19918160$457,683$7,628
19905944$344,740$7,835
19896742$141,559$3,370
19884336$92,134$2,559
198512<10––
1983319252$1,313,124$5,211
19823119$66,924$3,522
19812519$34,460$1,814
1980181142$450,465$3,172
197912<10––
1978232199$772,549$3,882

From 2016 to 2026: 166 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 (6,513 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.