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Flood insurance cost · ZIP 70094 · LA

Flood insurance cost in ZIP 70094 (unincorporated Jefferson Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,647 home policies in force on August 31, 2026.

ZIP code 70094 (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 $1,055 and $1,411. That is about the same as the Jefferson Parish median ($1,220). Most insured homes here are rated in zone X (59%).

$0$1,055 · $1,232 · $1,411$1,764
+16.7% vs Aug 31, 2025 (median $1,056)
2,647home policies in force
$1,332average cost (mean)
41%of insured homes in high-risk zones (A, V)
$200,000median 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 70094

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		$1,398$1,090–$1,898$1,5641,080 (41%)+6.9%
Zone X
Moderate to low risk		$1,169$1,042–$1,264$1,1721,567 (59%)+16.1%

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 70094, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,565$1,232$1,332
2–4 unit building79$1,285$1,355
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.		39$1,503$2,538
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		164$4,841$5,109

Not shown (fewer than 10 policies): manufactured (mobile) home, condo or apartment unit.

2,850NFIP policies in force, any building
2,850insured units (condo association policies count every unit)
84%of home policies also cover contents
$71,000median contents coverage, when bought

One year on: ZIP code 70094

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 force2,9242,647−9.5%
Median annual cost$1,056$1,232+16.7%
Average annual cost$1,210$1,332+10.1%
All policies in force (any building)3,1422,850−9.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70094 have filed 5,479 flood claims. 3,538 received a payment, for a total of $33.3 million (an average of $9,425 per paid claim). The year with the most claims was 2005 (1,801 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 184 claims, 162 paid, $682,647 in total1979: 23 claims, 13 paid, $24,207 in total1980: 544 claims, 499 paid, $2,641,085 in total198019801981: 74 claims, 56 paid, $108,376 in total1982: 143 claims, 110 paid, $336,438 in total1983: 342 claims, 260 paid, $1,053,839 in total1985: 23 claims, 13 paid, $97,746 in total1986: 17 claims, 10 paid, $20,126 in total1987: 15 claims1988: 122 claims, 95 paid, $426,247 in total1989: 120 claims, 104 paid, $549,254 in total1990: 45 claims, 34 paid, $188,619 in total19901991: 120 claims, 90 paid, $434,962 in total1992: 25 claims, 16 paid, $46,744 in total1994: 23 claims, 18 paid, $79,385 in total1995: 741 claims, 676 paid, $8,749,165 in total19951997: 10 claims1998: 148 claims, 115 paid, $775,407 in total1999: 19 claims, 17 paid, $138,183 in total20002001: 56 claims, 36 paid, $123,384 in total2002: 135 claims, 83 paid, $515,008 in total2003: 22 claims, 13 paid, $58,346 in total2004: 40 claims, 36 paid, $208,370 in total2005: 1,801 claims, 763 paid, $11,524,642 in total20052006: 15 claims2007: 11 claims2008: 129 claims, 57 paid, $582,395 in total2009: 53 claims, 42 paid, $488,914 in total20102011: 23 claims, 11 paid, $87,887 in total2012: 163 claims, 71 paid, $610,472 in total2019: 31 claims, 26 paid, $923,379 in total2020: 10 claims20202021: 192 claims, 51 paid, $1,370,042 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
202119251$1,370,042$26,864
202010<10––
20193126$923,379$35,515
201216371$610,472$8,598
20112311$87,887$7,990
20095342$488,914$11,641
200812957$582,395$10,217
200711<10––
200615<10––
20051,801763$11,524,642$15,104
20044036$208,370$5,788
20032213$58,346$4,488
200213583$515,008$6,205
20015636$123,384$3,427
19991917$138,183$8,128
1998148115$775,407$6,743
199710<10––
1995741676$8,749,165$12,943
19942318$79,385$4,410
19922516$46,744$2,922
199112090$434,962$4,833
19904534$188,619$5,548
1989120104$549,254$5,281
198812295$426,247$4,487
198715<10––
19861710$20,126$2,013
19852313$97,746$7,519
1983342260$1,053,839$4,053
1982143110$336,438$3,059
19817456$108,376$1,935
1980544499$2,641,085$5,293
19792313$24,207$1,862
1978184162$682,647$4,214

From 2016 to 2026: 233 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 (1,823 home policies) · Westwego (824 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.