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Flood insurance cost · ZIP 70056 · LA

Flood insurance cost in ZIP 70056 (unincorporated Jefferson Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 4,965 home policies in force on August 31, 2026.

ZIP code 70056 (unincorporated Jefferson Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,264a year

Half of insured homes paid between $1,083 and $2,078. That is 4% more than the Jefferson Parish median ($1,220). Most insured homes here are rated in zone AE (56%).

$0$1,083 · $1,264 · $2,078$2,598
+16.8% vs Aug 31, 2025 (median $1,082)
4,965home policies in force
$1,619average cost (mean)
56%of insured homes in high-risk zones (A, V)
$240,000median 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 70056

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		$1,763$1,141–$2,621$1,9352,796 (56%)+13.7%
Zone X
Moderate to low risk		$1,230$1,082–$1,265$1,2112,169 (44%)+16.8%

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 70056, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home4,808$1,264$1,626
2–4 unit building129$1,457$1,583
Condo or apartment unit28$588$623
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.		193$1,405$1,799
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		223$3,487$3,757

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

5,381NFIP policies in force, any building
5,441insured units (condo association policies count every unit)
84%of home policies also cover contents
$80,000median contents coverage, when bought

One year on: ZIP code 70056

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 force5,3104,965−6.5%
Median annual cost$1,082$1,264+16.8%
Average annual cost$1,470$1,619+10.1%
All policies in force (any building)5,7705,381−6.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70056 have filed 9,878 flood claims. 6,402 received a payment, for a total of $113.5 million (an average of $17,727 per paid claim). The year with the most claims was 2005 (4,772 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1978: 801 claims, 751 paid, $5,182,802 in total19781979: 16 claims, 11 paid, $90,843 in total1980: 888 claims, 806 paid, $7,119,648 in total198019801981: 14 claims1982: 116 claims, 76 paid, $186,092 in total1983: 527 claims, 448 paid, $3,058,510 in total1985: 25 claims, 15 paid, $28,973 in total1988: 177 claims, 144 paid, $495,776 in total1989: 712 claims, 633 paid, $7,863,455 in total1990: 130 claims, 99 paid, $504,173 in total19901991: 28 claims, 18 paid, $44,701 in total1992: 23 claims, 12 paid, $28,204 in total1994: 32 claims, 20 paid, $29,211 in total1995: 158 claims, 80 paid, $623,881 in total1997: 10 claims1998: 295 claims, 231 paid, $1,709,846 in total1999: 10 claims20002001: 130 claims, 98 paid, $441,365 in total2002: 125 claims, 45 paid, $164,450 in total2003: 24 claims, 10 paid, $25,068 in total2005: 4,772 claims, 2,500 paid, $81,390,165 in total20052007: 17 claims, 12 paid, $57,208 in total2008: 151 claims, 61 paid, $482,747 in total2009: 28 claims, 21 paid, $147,803 in total20102011: 139 claims, 87 paid, $715,874 in total2012: 210 claims, 88 paid, $626,815 in total2013: 18 claims2016: 12 claims2020: 15 claims20202021: 186 claims, 71 paid, $1,777,438 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 (30)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202118671$1,777,438$25,034
202015<10––
201612<10––
201318<10––
201221088$626,815$7,123
201113987$715,874$8,228
20092821$147,803$7,038
200815161$482,747$7,914
20071712$57,208$4,767
20054,7722,500$81,390,165$32,556
20032410$25,068$2,507
200212545$164,450$3,654
200113098$441,365$4,504
199910<10––
1998295231$1,709,846$7,402
199710<10––
199515880$623,881$7,799
19943220$29,211$1,461
19922312$28,204$2,350
19912818$44,701$2,483
199013099$504,173$5,093
1989712633$7,863,455$12,423
1988177144$495,776$3,443
19852515$28,973$1,932
1983527448$3,058,510$6,827
198211676$186,092$2,449
198114<10––
1980888806$7,119,648$8,833
19791611$90,843$8,258
1978801751$5,182,802$6,901

From 2016 to 2026: 213 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 (4,615 home policies) · Gretna (334 home policies) · Unincorporated Plaquemines Parish (11 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.