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Flood insurance cost · ZIP 70116 · LA

Flood insurance cost in ZIP 70116 (unincorporated New Orleans/orleans Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,407 home policies in force on August 31, 2026.

ZIP code 70116 (unincorporated New Orleans/orleans Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,000a year

Half of insured homes paid between $855 and $1,163. That is 14% less than the Orleans Parish median ($1,167). Most insured homes here are rated in zone X (87%).

$0$855 · $1,000 · $1,163$1,454
+5.0% vs Aug 31, 2025 (median $952)
1,407home policies in force
$993average cost (mean)
13%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 70116

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		$989$857–$1,148$1,002179 (13%)+2.8%
Zone X
Moderate to low risk		$1,000$853–$1,166$9911,228 (87%)+5.5%

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 70116, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home787$999$1,010
2–4 unit building477$1,090$1,095
Condo or apartment unit143$574$560
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.		239$1,426$1,447
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		253$1,665$1,777

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

1,899NFIP policies in force, any building
2,526insured units (condo association policies count every unit)
85%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 70116

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 force1,4921,407−5.7%
Median annual cost$952$1,000+5.0%
Average annual cost$951$993+4.4%
All policies in force (any building)2,0001,899−5.1%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70116 have filed 2,326 flood claims. 1,588 received a payment, for a total of $67.4 million (an average of $42,419 per paid claim). The year with the most claims was 2005 (1,673 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 35 claims, 27 paid, $124,992 in total1980: 53 claims, 42 paid, $317,220 in total19801983: 39 claims, 30 paid, $482,006 in total1988: 23 claims, 15 paid, $40,315 in total1990: 11 claims19901991: 10 claims, 10 paid, $62,121 in total1995: 120 claims, 81 paid, $1,227,683 in total19951998: 45 claims, 36 paid, $384,671 in total20002001: 14 claims2002: 74 claims, 43 paid, $333,609 in total20022005: 1,673 claims, 1,164 paid, $59,134,717 in total20052008: 12 claims20102012: 26 claims2017: 50 claims, 41 paid, $2,872,704 in total2018: 10 claims2019: 43 claims, 34 paid, $1,527,537 in total2020: 10 claims20202021: 24 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 (18)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202124<10––
202010<10––
20194334$1,527,537$44,928
201810<10––
20175041$2,872,704$70,066
201226<10––
200812<10––
20051,6731,164$59,134,717$50,803
20027443$333,609$7,758
200114<10––
19984536$384,671$10,685
199512081$1,227,683$15,157
19911010$62,121$6,212
199011<10––
19882315$40,315$2,688
19833930$482,006$16,067
19805342$317,220$7,553
19783527$124,992$4,629

From 2016 to 2026: 137 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 (1,407 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.