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Flood insurance cost · ZIP 70072 · LA

Flood insurance cost in ZIP 70072 (unincorporated Jefferson Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 6,966 home policies in force on August 31, 2026.

ZIP code 70072 (unincorporated Jefferson Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,232a year

Half of insured homes paid between $1,080 and $1,273. That is about the same as the Jefferson Parish median ($1,220). Most insured homes here are rated in zone X (66%).

$0$1,080 · $1,232 · $1,273$1,591
+16.8% vs Aug 31, 2025 (median $1,055)
6,966home policies in force
$1,297average 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 70072

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		$1,302$1,047–$1,801$1,4632,390 (34%)+12.9%
Zone X
Moderate to low risk		$1,222$1,082–$1,266$1,2104,575 (66%)+16.6%

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 70072, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home6,849$1,232$1,295
2–4 unit building101$1,368$1,486
Manufactured (mobile) home15$984$1,025
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.		43$1,609$2,257
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		349$4,464$4,573

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

7,358NFIP policies in force, any building
7,358insured units (condo association policies count every unit)
89%of home policies also cover contents
$89,000median contents coverage, when bought

One year on: ZIP code 70072

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 force7,5776,966−8.1%
Median annual cost$1,055$1,232+16.8%
Average annual cost$1,164$1,297+11.4%
All policies in force (any building)7,9837,358−7.8%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70072 have filed 17,535 flood claims. 13,262 received a payment, for a total of $261.3 million (an average of $19,706 per paid claim). The year with the most claims was 2005 (6,214 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1978: 946 claims, 888 paid, $6,214,691 in total1979: 52 claims, 45 paid, $142,948 in total1980: 2,153 claims, 2,022 paid, $18,454,802 in total198019801981: 92 claims, 79 paid, $239,437 in total1982: 1,772 claims, 1,643 paid, $13,649,615 in total19821983: 519 claims, 412 paid, $1,584,958 in total1985: 1,163 claims, 1,123 paid, $28,826,036 in total1988: 968 claims, 854 paid, $6,794,147 in total1989: 462 claims, 404 paid, $3,273,513 in total1990: 200 claims, 167 paid, $640,217 in total19901991: 105 claims, 59 paid, $287,173 in total1992: 49 claims, 32 paid, $113,719 in total1994: 37 claims, 30 paid, $162,235 in total1995: 202 claims, 154 paid, $963,291 in total1996: 11 claims1998: 704 claims, 611 paid, $6,022,907 in total1999: 17 claims, 11 paid, $45,756 in total20002001: 132 claims, 85 paid, $432,223 in total2002: 280 claims, 155 paid, $1,002,288 in total2003: 15 claims2004: 60 claims, 48 paid, $408,890 in total2005: 6,214 claims, 3,745 paid, $148,243,120 in total20052007: 54 claims, 40 paid, $472,110 in total2008: 273 claims, 124 paid, $4,064,894 in total2009: 65 claims, 43 paid, $279,036 in total2010: 11 claims20102011: 75 claims, 41 paid, $648,674 in total2012: 357 claims, 176 paid, $3,279,368 in total2013: 26 claims, 10 paid, $101,371 in total2015: 10 claims2019: 17 claims2020: 26 claims20202021: 369 claims, 187 paid, $14,432,436 in total2024: 20 claims, 10 paid, $173,827 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 (34)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20242010$173,827$17,383
2021369187$14,432,436$77,179
202026<10––
201917<10––
201510<10––
20132610$101,371$10,137
2012357176$3,279,368$18,633
20117541$648,674$15,821
201011<10––
20096543$279,036$6,489
2008273124$4,064,894$32,781
20075440$472,110$11,803
20056,2143,745$148,243,120$39,584
20046048$408,890$8,519
200315<10––
2002280155$1,002,288$6,466
200113285$432,223$5,085
19991711$45,756$4,160
1998704611$6,022,907$9,857
199611<10––
1995202154$963,291$6,255
19943730$162,235$5,408
19924932$113,719$3,554
199110559$287,173$4,867
1990200167$640,217$3,834
1989462404$3,273,513$8,103
1988968854$6,794,147$7,956
19851,1631,123$28,826,036$25,669
1983519412$1,584,958$3,847
19821,7721,643$13,649,615$8,308
19819279$239,437$3,031
19802,1532,022$18,454,802$9,127
19795245$142,948$3,177
1978946888$6,214,691$6,999

From 2016 to 2026: 432 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 (6,965 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.