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Flood insurance cost · ZIP 70085 · LA

Flood insurance cost in ZIP 70085 (unincorporated St. Bernard Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 866 home policies in force on August 31, 2026.

ZIP code 70085 (unincorporated St. Bernard Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,167a year

Half of insured homes paid between $1,017 and $1,286. That is about the same as the St. Bernard Parish median ($1,146). Most insured homes here are rated in zone X (71%).

$0$1,017 · $1,167 · $1,286$1,608
+10.5% vs Aug 31, 2025 (median $1,056)
866home policies in force
$1,266average cost (mean)
29%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 70085

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		$1,577$1,404–$1,921$1,90396 (11%)+11.8%
Zone AE
High risk		$1,408$1,133–$1,746$1,571152 (18%)+15.9%
Zone X
Moderate to low risk		$1,086$982–$1,234$1,093617 (71%)+5.6%

Not shown (fewer than 10 home policies): 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 70085, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home786$1,198$1,295
Manufactured (mobile) home72$870$872
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		57$2,196$2,359

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

924NFIP policies in force, any building
949insured units (condo association policies count every unit)
92%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 70085

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 force948866−8.6%
Median annual cost$1,056$1,167+10.5%
Average annual cost$1,133$1,266+11.7%
All policies in force (any building)1,012924−8.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70085 have filed 2,367 flood claims. 2,121 received a payment, for a total of $151.3 million (an average of $71,337 per paid claim). The year with the most claims was 2005 (1,119 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 11 claims1980: 14 claims19801983: 111 claims, 86 paid, $333,284 in total1985: 192 claims, 169 paid, $1,630,322 in total1988: 22 claims, 16 paid, $64,871 in total19901991: 21 claims, 17 paid, $70,186 in total1992: 43 claims, 38 paid, $219,723 in total1996: 62 claims, 56 paid, $385,497 in total1998: 198 claims, 184 paid, $2,282,832 in total199820002002: 212 claims, 164 paid, $2,380,066 in total20022004: 53 claims, 42 paid, $499,074 in total2005: 1,119 claims, 1,098 paid, $139,812,884 in total20052008: 55 claims, 39 paid, $644,584 in total20102012: 143 claims, 128 paid, $1,928,900 in total20202021: 60 claims, 40 paid, $867,051 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 (15)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20216040$867,051$21,676
2012143128$1,928,900$15,070
20085539$644,584$16,528
20051,1191,098$139,812,884$127,334
20045342$499,074$11,883
2002212164$2,380,066$14,513
1998198184$2,282,832$12,407
19966256$385,497$6,884
19924338$219,723$5,782
19912117$70,186$4,129
19882216$64,871$4,054
1985192169$1,630,322$9,647
198311186$333,284$3,875
198014<10––
197911<10––

From 2016 to 2026: 60 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 St. Bernard Parish (866 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.