Menu

Flood insurance cost · ZIP 70065 · LA

Flood insurance cost in ZIP 70065 (Kenner, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 9,475 home policies in force on August 31, 2026.

ZIP code 70065 (Kenner, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,259a year

Half of insured homes paid between $1,083 and $1,485. That is 3% more than the Jefferson Parish median ($1,220). Most insured homes here are rated in zone AE (53%).

$0$1,083 · $1,259 · $1,485$1,856
+16.7% vs Aug 31, 2025 (median $1,079)
9,475home policies in force
$1,318average cost (mean)
53%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 70065

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		$1,337$1,007–$1,757$1,4075,057 (53%)+14.8%
Zone X
Moderate to low risk		$1,234$1,084–$1,267$1,2154,417 (47%)+16.9%

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 70065, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home8,790$1,260$1,342
2–4 unit building361$1,362$1,412
Condo or apartment unit324$533$550
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.		480$1,714$1,819
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		355$2,200$2,446

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

10,310NFIP policies in force, any building
11,239insured units (condo association policies count every unit)
86%of home policies also cover contents
$99,000median contents coverage, when bought

One year on: ZIP code 70065

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 force9,8419,475−3.7%
Median annual cost$1,079$1,259+16.7%
Average annual cost$1,173$1,318+12.4%
All policies in force (any building)10,73410,310−4.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70065 have filed 16,090 flood claims. 12,086 received a payment, for a total of $585.4 million (an average of $48,438 per paid claim). The year with the most claims was 2005 (10,783 claims). Amounts are in dollars of the time, not adjusted for inflation.

05k10k15k20k1978: 56 claims, 44 paid, $152,377 in total1979: 45 claims, 39 paid, $238,466 in total1980: 554 claims, 448 paid, $1,919,234 in total19801981: 18 claims, 13 paid, $13,480 in total1982: 97 claims, 79 paid, $325,119 in total1983: 703 claims, 575 paid, $3,208,674 in total19831985: 17 claims1988: 49 claims, 25 paid, $48,485 in total1989: 169 claims, 128 paid, $848,902 in total1990: 20 claims, 14 paid, $14,898 in total19901991: 46 claims, 18 paid, $51,631 in total1992: 20 claims1995: 1,044 claims, 821 paid, $9,333,437 in total19951998: 82 claims, 61 paid, $157,503 in total1999: 10 claims20002001: 54 claims, 28 paid, $89,346 in total2002: 351 claims, 259 paid, $2,506,840 in total2003: 19 claims, 10 paid, $146,351 in total2004: 101 claims, 77 paid, $497,243 in total2005: 10,783 claims, 8,420 paid, $527,752,697 in total20052008: 158 claims, 26 paid, $303,415 in total2009: 20 claims, 15 paid, $204,378 in total20102011: 49 claims, 33 paid, $311,125 in total2012: 291 claims, 120 paid, $1,438,104 in total2014: 15 claims2015: 20 claims2016: 15 claims2017: 18 claims, 11 paid, $162,167 in total2019: 12 claims2020: 24 claims20202021: 515 claims, 197 paid, $5,036,957 in total2024: 578 claims, 515 paid, $28,545,056 in total2026: 50 claims, 38 paid, $1,364,422 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 (33)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20265038$1,364,422$35,906
2024578515$28,545,056$55,427
2021515197$5,036,957$25,568
202024<10––
201912<10––
20171811$162,167$14,742
201615<10––
201520<10––
201415<10––
2012291120$1,438,104$11,984
20114933$311,125$9,428
20092015$204,378$13,625
200815826$303,415$11,670
200510,7838,420$527,752,697$62,678
200410177$497,243$6,458
20031910$146,351$14,635
2002351259$2,506,840$9,679
20015428$89,346$3,191
199910<10––
19988261$157,503$2,582
19951,044821$9,333,437$11,368
199220<10––
19914618$51,631$2,868
19902014$14,898$1,064
1989169128$848,902$6,632
19884925$48,485$1,939
198517<10––
1983703575$3,208,674$5,580
19829779$325,119$4,115
19811813$13,480$1,037
1980554448$1,919,234$4,284
19794539$238,466$6,115
19785644$152,377$3,463

From 2016 to 2026: 1,212 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

Kenner (9,333 home policies) · Unincorporated Jefferson Parish (141 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.