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Flood insurance cost · ZIP 70053 · LA

Flood insurance cost in ZIP 70053 (Gretna, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,800 home policies in force on August 31, 2026.

ZIP code 70053 (Gretna, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,338a year

Half of insured homes paid between $1,128 and $2,331. That is 10% more than the Jefferson Parish median ($1,220). Most insured homes here are rated in zone AE (61%).

$0$1,128 · $1,338 · $2,331$2,914
+15.7% vs Aug 31, 2025 (median $1,156)
1,800home policies in force
$1,770average cost (mean)
61%of insured homes in high-risk zones (A, V)
$200,000median 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 70053

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		$2,020$1,269–$2,787$2,1171,101 (61%)+7.7%
Zone X
Moderate to low risk		$1,233$1,082–$1,266$1,223699 (39%)+16.7%

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 70053, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,674$1,364$1,797
2–4 unit building118$1,295$1,463
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.		39$1,680$2,985
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		236$4,422$4,474

Not shown (fewer than 10 policies): manufactured (mobile) home, condo or apartment unit.

2,075NFIP policies in force, any building
2,093insured units (condo association policies count every unit)
76%of home policies also cover contents
$63,000median contents coverage, when bought

One year on: ZIP code 70053

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 force1,9501,800−7.7%
Median annual cost$1,156$1,338+15.7%
Average annual cost$1,596$1,770+10.9%
All policies in force (any building)2,2432,075−7.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70053 have filed 4,508 flood claims. 3,440 received a payment, for a total of $33.7 million (an average of $9,789 per paid claim). The year with the most claims was 2005 (1,137 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 322 claims, 289 paid, $1,683,031 in total1979: 17 claims, 14 paid, $36,935 in total1980: 764 claims, 709 paid, $6,040,670 in total198019801982: 218 claims, 186 paid, $721,478 in total1983: 432 claims, 384 paid, $2,078,573 in total19831985: 19 claims, 15 paid, $170,205 in total1988: 162 claims, 139 paid, $603,498 in total1989: 273 claims, 248 paid, $2,006,802 in total1990: 153 claims, 138 paid, $730,446 in total19901991: 22 claims, 19 paid, $77,680 in total1994: 33 claims, 26 paid, $46,874 in total1995: 335 claims, 290 paid, $3,276,429 in total1997: 13 claims, 11 paid, $34,824 in total1998: 182 claims, 150 paid, $1,338,061 in total20002001: 68 claims, 48 paid, $203,183 in total2002: 67 claims, 37 paid, $176,923 in total2003: 11 claims2005: 1,137 claims, 577 paid, $12,687,557 in total20052008: 29 claims2009: 14 claims20102011: 65 claims, 50 paid, $473,942 in total2012: 67 claims, 32 paid, $518,622 in total20202021: 31 claims, 12 paid, $173,381 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 (23)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20213112$173,381$14,448
20126732$518,622$16,207
20116550$473,942$9,479
200914<10––
200829<10––
20051,137577$12,687,557$21,989
200311<10––
20026737$176,923$4,782
20016848$203,183$4,233
1998182150$1,338,061$8,920
19971311$34,824$3,166
1995335290$3,276,429$11,298
19943326$46,874$1,803
19912219$77,680$4,088
1990153138$730,446$5,293
1989273248$2,006,802$8,092
1988162139$603,498$4,342
19851915$170,205$11,347
1983432384$2,078,573$5,413
1982218186$721,478$3,879
1980764709$6,040,670$8,520
19791714$36,935$2,638
1978322289$1,683,031$5,824

From 2016 to 2026: 31 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

Gretna (1,787 home policies) · Unincorporated Jefferson Parish (13 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.