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Flood insurance cost · ZIP 70115 · LA

Flood insurance cost in ZIP 70115 (unincorporated New Orleans/orleans Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 5,207 home policies in force on August 31, 2026.

ZIP code 70115 (unincorporated New Orleans/orleans Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,044a year

Half of insured homes paid between $883 and $1,228. That is 11% less than the Orleans Parish median ($1,167). Most insured homes here are rated in zone X (78%).

$0$883 · $1,044 · $1,228$1,535
+7.5% vs Aug 31, 2025 (median $971)
5,207home policies in force
$1,069average cost (mean)
22%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 70115

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		$1,208$1,030–$1,451$1,2741,158 (22%)+8.2%
Zone X
Moderate to low risk		$1,006$859–$1,154$1,0104,049 (78%)+8.1%

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 70115, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,680$1,022$1,052
2–4 unit building1,365$1,151$1,180
Condo or apartment unit162$504$518
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.		218$1,388$1,564
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		455$1,770$1,900

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

5,880NFIP policies in force, any building
6,617insured units (condo association policies count every unit)
89%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 70115

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 force5,5145,207−5.6%
Median annual cost$971$1,044+7.5%
Average annual cost$1,004$1,069+6.5%
All policies in force (any building)6,2185,880−5.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70115 have filed 8,840 flood claims. 6,462 received a payment, for a total of $198.1 million (an average of $30,653 per paid claim). The year with the most claims was 2005 (3,926 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 268 claims, 223 paid, $843,483 in total1980: 567 claims, 489 paid, $2,753,308 in total198019801981: 232 claims, 196 paid, $837,014 in total1982: 245 claims, 200 paid, $660,813 in total1983: 431 claims, 343 paid, $1,645,839 in total1988: 256 claims, 216 paid, $1,061,281 in total1989: 28 claims, 20 paid, $78,902 in total1990: 87 claims, 82 paid, $458,438 in total19901991: 417 claims, 336 paid, $2,839,939 in total1992: 62 claims, 51 paid, $306,556 in total1994: 275 claims, 236 paid, $1,962,440 in total1995: 958 claims, 827 paid, $11,128,865 in total19951998: 543 claims, 474 paid, $4,748,905 in total1999: 14 claims, 10 paid, $52,239 in total20002001: 65 claims, 35 paid, $157,084 in total2002: 114 claims, 60 paid, $452,037 in total2003: 22 claims, 17 paid, $111,178 in total2005: 3,926 claims, 2,452 paid, $162,939,513 in total20052008: 34 claims, 14 paid, $164,391 in total2009: 30 claims, 25 paid, $203,249 in total2010: 13 claims, 10 paid, $261,515 in total20102012: 36 claims, 12 paid, $121,388 in total2019: 102 claims, 89 paid, $3,691,421 in total20202021: 37 claims, 10 paid, $87,560 in total2024: 12 claims
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 (25)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202412<10––
20213710$87,560$8,756
201910289$3,691,421$41,477
20123612$121,388$10,116
20101310$261,515$26,152
20093025$203,249$8,130
20083414$164,391$11,742
20053,9262,452$162,939,513$66,452
20032217$111,178$6,540
200211460$452,037$7,534
20016535$157,084$4,488
19991410$52,239$5,224
1998543474$4,748,905$10,019
1995958827$11,128,865$13,457
1994275236$1,962,440$8,315
19926251$306,556$6,011
1991417336$2,839,939$8,452
19908782$458,438$5,591
19892820$78,902$3,945
1988256216$1,061,281$4,913
1983431343$1,645,839$4,798
1982245200$660,813$3,304
1981232196$837,014$4,270
1980567489$2,753,308$5,630
1978268223$843,483$3,782

From 2016 to 2026: 151 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 (5,207 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.