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Flood insurance cost · ZIP 70113 · LA

Flood insurance cost in ZIP 70113 (unincorporated New Orleans/orleans Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 550 home policies in force on August 31, 2026.

ZIP code 70113 (unincorporated New Orleans/orleans Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,170a year

Half of insured homes paid between $1,020 and $1,388. That is about the same as the Orleans Parish median ($1,167). Most insured homes here are rated in zone X (76%).

$0$1,020 · $1,170 · $1,388$1,735
+8.9% vs Aug 31, 2025 (median $1,074)
550home policies in force
$1,175average cost (mean)
24%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 70113

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		$1,178$1,020–$1,399$1,216134 (24%)+7.7%
Zone X
Moderate to low risk		$1,162$1,020–$1,349$1,162416 (76%)+9.4%

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 70113, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home243$1,084$1,102
2–4 unit building292$1,309$1,273
Condo or apartment unit15$456$449
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.		45$2,177$2,437
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		116$2,174$2,275

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

711NFIP policies in force, any building
1,158insured units (condo association policies count every unit)
76%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 70113

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 force580550−5.2%
Median annual cost$1,074$1,170+8.9%
Average annual cost$1,071$1,175+9.7%
All policies in force (any building)755711−5.8%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70113 have filed 1,085 flood claims. 810 received a payment, for a total of $34.0 million (an average of $42,032 per paid claim). The year with the most claims was 2005 (721 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 21 claims, 18 paid, $276,208 in total1980: 44 claims, 37 paid, $311,961 in total198019801983: 22 claims, 18 paid, $99,201 in total19901991: 20 claims, 16 paid, $175,199 in total1995: 89 claims, 72 paid, $1,508,159 in total19951998: 27 claims, 19 paid, $301,545 in total20002002: 18 claims, 11 paid, $165,474 in total2003: 16 claims, 13 paid, $213,774 in total2005: 721 claims, 552 paid, $28,534,355 in total200520102019: 27 claims, 25 paid, $2,234,736 in total2020
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 (10)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20192725$2,234,736$89,389
2005721552$28,534,355$51,693
20031613$213,774$16,444
20021811$165,474$15,043
19982719$301,545$15,871
19958972$1,508,159$20,947
19912016$175,199$10,950
19832218$99,201$5,511
19804437$311,961$8,431
19782118$276,208$15,345

From 2016 to 2026: 27 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 New Orleans/orleans Parish (550 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.