Flood insurance cost · ZIP 70006 · LA

Flood insurance cost in ZIP 70006 (unincorporated Jefferson Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 4,019 home policies in force on August 31, 2026.

ZIP code 70006 (unincorporated Jefferson Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,342a year

Half of insured homes paid between $1,138 and $1,804. That is 10% more than the Jefferson Parish median ($1,220). Most insured homes here are rated in zone AE (77%).

$0$1,138 · $1,342 · $1,804$2,255

+10.9% vs Aug 31, 2025 (median $1,210)

4,019home policies in force

$1,483average cost (mean)

77%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 70006

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$1,482	$1,182–$1,906	$1,561	3,090 (77%)	+4.4%
Zone X Moderate to low risk	$1,251	$1,083–$1,266	$1,226	929 (23%)	+16.2%

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 70006, by what they insure.

Type of building	Policies	Median	Average
Single-family home	3,619	$1,318	$1,494
2–4 unit building	339	$1,568	$1,540
Condo or apartment unit	61	$516	$545
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.	70	$2,300	$2,489
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	390	$2,192	$2,352

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

4,479NFIP policies in force, any building

4,780insured units (condo association policies count every unit)

84%of home policies also cover contents

$93,000median contents coverage, when bought

One year on: ZIP code 70006

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, 2025	Aug 31, 2026	Change
Home policies in force	4,110	4,019	−2.2%
Median annual cost	$1,210	$1,342	+10.9%
Average annual cost	$1,397	$1,483	+6.2%
All policies in force (any building)	4,577	4,479	−2.1%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70006 have filed 6,831 flood claims. 6,057 received a payment, for a total of $469.1 million (an average of $77,453 per paid claim). The year with the most claims was 2005 (4,706 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (20)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2026	12	<10	–	–
2024	36	31	$756,694	$24,409
2021	84	19	$351,899	$18,521
2012	77	34	$408,272	$12,008
2011	22	15	$254,165	$16,944
2008	38	16	$147,326	$9,208
2005	4,706	4,454	$447,431,674	$100,456
2002	91	50	$194,695	$3,894
2001	19	13	$122,005	$9,385
1998	30	19	$71,612	$3,769
1995	997	890	$16,470,937	$18,507
1992	10	<10	–	–
1991	10	<10	–	–
1989	146	118	$995,427	$8,436
1988	17	<10	–	–
1983	191	145	$659,235	$4,546
1982	18	<10	–	–
1980	183	150	$652,093	$4,347
1979	12	10	$40,984	$4,098
1978	43	28	$50,354	$1,798

From 2016 to 2026: 132 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 (4,016 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.