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Flood insurance cost · ZIP 70043 · LA

Flood insurance cost in ZIP 70043 (unincorporated St. Bernard Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,997 home policies in force on August 31, 2026.

ZIP code 70043 (unincorporated St. Bernard Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,188a year

Half of insured homes paid between $1,037 and $1,277. That is 4% more than the St. Bernard Parish median ($1,146). Most insured homes here are rated in zone X (66%).

$0$1,037 · $1,188 · $1,277$1,596
+11.8% vs Aug 31, 2025 (median $1,063)
3,997home policies in force
$1,176average cost (mean)
34%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 70043

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$1,082–$1,422$1,2551,357 (34%)+8.5%
Zone X
Moderate to low risk		$1,147$1,020–$1,265$1,1362,640 (66%)+9.1%

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 70043, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,380$1,181$1,168
2–4 unit building600$1,242$1,238
Condo or apartment unit11$380$473
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.		45$1,530$1,677
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		395$1,976$2,094

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

4,437NFIP policies in force, any building
4,437insured units (condo association policies count every unit)
82%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 70043

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 force4,2143,997−5.1%
Median annual cost$1,063$1,188+11.8%
Average annual cost$1,069$1,176+10.0%
All policies in force (any building)4,6644,437−4.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70043 have filed 12,005 flood claims. 11,062 received a payment, for a total of $1.2 billion (an average of $105,576 per paid claim). The year with the most claims was 2005 (8,537 claims). Amounts are in dollars of the time, not adjusted for inflation.

02.5k5k7.5k10k1978: 789 claims, 733 paid, $7,642,689 in total19781979: 23 claims, 16 paid, $22,265 in total1980: 611 claims, 561 paid, $4,676,776 in total198019801982: 223 claims, 194 paid, $603,539 in total1983: 435 claims, 383 paid, $3,891,622 in total1985: 16 claims, 11 paid, $17,492 in total1988: 53 claims, 34 paid, $79,963 in total1989: 52 claims, 42 paid, $181,347 in total1990: 106 claims, 85 paid, $453,359 in total19901994: 11 claims1995: 376 claims, 318 paid, $2,796,058 in total1997: 16 claims, 11 paid, $46,457 in total1998: 104 claims, 78 paid, $279,981 in total20002001: 99 claims, 75 paid, $285,996 in total2002: 148 claims, 106 paid, $417,314 in total2003: 32 claims, 24 paid, $93,404 in total2004: 10 claims2005: 8,537 claims, 8,238 paid, $1,144,534,419 in total20052008: 33 claims2009: 16 claims, 13 paid, $102,699 in total20102011: 19 claims, 12 paid, $94,785 in total2012: 131 claims, 57 paid, $647,303 in total2019: 15 claims, 10 paid, $266,915 in total2020: 16 claims20202021: 60 claims, 18 paid, $421,316 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 (25)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20216018$421,316$23,406
202016<10––
20191510$266,915$26,692
201213157$647,303$11,356
20111912$94,785$7,899
20091613$102,699$7,900
200833<10––
20058,5378,238$1,144,534,419$138,934
200410<10––
20033224$93,404$3,892
2002148106$417,314$3,937
20019975$285,996$3,813
199810478$279,981$3,590
19971611$46,457$4,223
1995376318$2,796,058$8,793
199411<10––
199010685$453,359$5,334
19895242$181,347$4,318
19885334$79,963$2,352
19851611$17,492$1,590
1983435383$3,891,622$10,161
1982223194$603,539$3,111
1980611561$4,676,776$8,336
19792316$22,265$1,392
1978789733$7,642,689$10,427

From 2016 to 2026: 91 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 St. Bernard Parish (3,997 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.