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Flood insurance cost · ZIP 70083 · LA

Flood insurance cost in ZIP 70083 (unincorporated Plaquemines Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 325 home policies in force on August 31, 2026.

ZIP code 70083 (unincorporated Plaquemines Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,175a year

Half of insured homes paid between $866 and $1,526. That is 5% less than the Plaquemines Parish median ($1,233). Most insured homes here are rated in zone AE (74%).

$0$866 · $1,175 · $1,526$1,908
+14.7% vs Aug 31, 2025 (median $1,024)
325home policies in force
$1,399average cost (mean)
100%of insured homes in high-risk zones (A, V)
$160,000median 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 70083

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 VE / V
High risk, coastal		$1,456$1,246–$1,719$1,61060 (18%)+12.7%
Zone AE
High risk		$1,118$854–$1,518$1,385242 (74%)+14.2%
Zone A99 / AR
High risk, levee areas		$881$737–$1,043$1,01322 (7%)+21.3%

Not shown (fewer than 10 home policies): A, AO, AH, X, 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 70083, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home190$1,368$1,651
Manufactured (mobile) home132$858$1,006
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		66$3,926$4,986

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit, whole residential building (5+ units or condo association).

392NFIP policies in force, any building
392insured units (condo association policies count every unit)
88%of home policies also cover contents
$42,000median contents coverage, when bought

One year on: ZIP code 70083

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 force358325−9.2%
Median annual cost$1,024$1,175+14.7%
Average annual cost$1,274$1,399+9.8%
All policies in force (any building)428392−8.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70083 have filed 1,533 flood claims. 1,354 received a payment, for a total of $76.0 million (an average of $56,116 per paid claim). The year with the most claims was 2005 (671 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 11 claims, 11 paid, $26,474 in total19801985: 46 claims, 41 paid, $410,769 in total19901992: 26 claims, 23 paid, $167,847 in total1997: 14 claims, 12 paid, $30,399 in total1998: 11 claims20002002: 67 claims, 57 paid, $917,356 in total2003: 34 claims, 32 paid, $381,417 in total2005: 671 claims, 628 paid, $47,800,759 in total20052008: 96 claims, 72 paid, $1,680,135 in total20102011: 17 claims2012: 260 claims, 222 paid, $11,054,522 in total20122019: 10 claims2020: 20 claims, 11 paid, $1,092,348 in total20202021: 210 claims, 188 paid, $9,468,864 in total2021
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 (14)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2021210188$9,468,864$50,366
20202011$1,092,348$99,304
201910<10––
2012260222$11,054,522$49,795
201117<10––
20089672$1,680,135$23,335
2005671628$47,800,759$76,116
20033432$381,417$11,919
20026757$917,356$16,094
199811<10––
19971412$30,399$2,533
19922623$167,847$7,298
19854641$410,769$10,019
19791111$26,474$2,407

From 2016 to 2026: 240 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 Plaquemines Parish (325 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.