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Flood insurance cost · ZIP 70037 · LA

Flood insurance cost in ZIP 70037 (unincorporated Plaquemines Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,745 home policies in force on August 31, 2026.

ZIP code 70037 (unincorporated Plaquemines Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,256a year

Half of insured homes paid between $1,084 and $1,281. That is about the same as the Plaquemines Parish median ($1,233). Most insured homes here are rated in zone X (58%).

$0$1,084 · $1,256 · $1,281$1,601
+16.4% vs Aug 31, 2025 (median $1,079)
2,745home policies in force
$1,504average cost (mean)
42%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 70037

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		$1,256$1,120–$2,596$1,8231,134 (41%)+16.7%
Zone X
Moderate to low risk		$1,257$1,084–$1,266$1,2771,604 (58%)+16.5%

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 70037, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,508$1,256$1,523
2–4 unit building131$1,282$1,545
Manufactured (mobile) home100$898$1,028
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.		26$1,072$2,035
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		299$5,249$5,540

Not shown (fewer than 10 policies): condo or apartment unit.

3,070NFIP policies in force, any building
3,070insured 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 70037

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 force2,9162,745−5.9%
Median annual cost$1,079$1,256+16.4%
Average annual cost$1,331$1,504+13.0%
All policies in force (any building)3,2563,070−5.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70037 have filed 1,650 flood claims. 923 received a payment, for a total of $32.4 million (an average of $35,105 per paid claim). The year with the most claims was 2005 (1,213 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1980: 31 claims, 18 paid, $60,519 in total19801983: 45 claims, 35 paid, $132,570 in total1989: 58 claims, 52 paid, $430,960 in total19891990: 21 claims, 15 paid, $65,517 in total19901998: 31 claims, 23 paid, $137,327 in total20002002: 12 claims2005: 1,213 claims, 635 paid, $28,823,518 in total20052008: 15 claims20102011: 17 claims, 11 paid, $82,759 in total2012: 65 claims, 38 paid, $1,011,975 in total201220202021: 41 claims, 16 paid, $747,536 in total2024: 10 claims
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 (12)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202410<10––
20214116$747,536$46,721
20126538$1,011,975$26,631
20111711$82,759$7,524
200815<10––
20051,213635$28,823,518$45,391
200212<10––
19983123$137,327$5,971
19902115$65,517$4,368
19895852$430,960$8,288
19834535$132,570$3,788
19803118$60,519$3,362

From 2016 to 2026: 51 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 Plaquemines Parish (2,743 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.