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Flood insurance cost · ZIP 70114 · LA

Flood insurance cost in ZIP 70114 (unincorporated New Orleans/orleans Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,870 home policies in force on August 31, 2026.

ZIP code 70114 (unincorporated New Orleans/orleans Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,264a year

Half of insured homes paid between $1,083 and $1,499. That is 8% more than the Orleans Parish median ($1,167). Most insured homes here are rated in zone X (68%).

$0$1,083 · $1,264 · $1,499$1,874
+16.8% vs Aug 31, 2025 (median $1,082)
1,870home policies in force
$1,508average cost (mean)
32%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 70114

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		$1,777$1,308–$2,754$2,069597 (32%)+16.3%
Zone X
Moderate to low risk		$1,233$1,077–$1,308$1,2451,273 (68%)+16.5%

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 70114, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,542$1,263$1,494
2–4 unit building317$1,457$1,605
Condo or apartment unit11$809$734
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.		72$1,716$2,330
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		184$5,732$5,967

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

2,126NFIP policies in force, any building
2,153insured units (condo association policies count every unit)
78%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 70114

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 force2,0381,870−8.2%
Median annual cost$1,082$1,264+16.8%
Average annual cost$1,320$1,508+14.2%
All policies in force (any building)2,3082,126−7.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70114 have filed 3,754 flood claims. 2,302 received a payment, for a total of $22.0 million (an average of $9,567 per paid claim). The year with the most claims was 2005 (1,396 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 187 claims, 174 paid, $706,421 in total1979: 22 claims, 15 paid, $44,394 in total1980: 536 claims, 494 paid, $3,064,307 in total198019801982: 116 claims, 103 paid, $306,418 in total1983: 269 claims, 223 paid, $1,323,603 in total1988: 63 claims, 47 paid, $178,279 in total1989: 25 claims, 17 paid, $82,114 in total1990: 32 claims, 27 paid, $164,901 in total19901994: 12 claims, 10 paid, $28,212 in total1995: 292 claims, 223 paid, $2,623,296 in total19951997: 43 claims, 37 paid, $282,281 in total1998: 94 claims, 76 paid, $583,572 in total20002001: 116 claims, 77 paid, $433,756 in total2002: 211 claims, 148 paid, $1,749,130 in total2003: 12 claims2005: 1,396 claims, 475 paid, $7,899,205 in total20052007: 15 claims, 10 paid, $110,015 in total2008: 65 claims, 24 paid, $183,207 in total2009: 10 claims20102012: 60 claims, 29 paid, $474,218 in total2019: 19 claims, 12 paid, $199,329 in total20202021: 68 claims, 24 paid, $608,300 in total2025: 13 claims, 12 paid, $651,831 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 (23)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20251312$651,831$54,319
20216824$608,300$25,346
20191912$199,329$16,611
20126029$474,218$16,352
200910<10––
20086524$183,207$7,634
20071510$110,015$11,002
20051,396475$7,899,205$16,630
200312<10––
2002211148$1,749,130$11,818
200111677$433,756$5,633
19989476$583,572$7,679
19974337$282,281$7,629
1995292223$2,623,296$11,764
19941210$28,212$2,821
19903227$164,901$6,107
19892517$82,114$4,830
19886347$178,279$3,793
1983269223$1,323,603$5,935
1982116103$306,418$2,975
1980536494$3,064,307$6,203
19792215$44,394$2,960
1978187174$706,421$4,060

From 2016 to 2026: 100 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 (1,870 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.