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Flood insurance cost · ZIP 70117 · LA

Flood insurance cost in ZIP 70117 (unincorporated New Orleans/orleans Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,970 home policies in force on August 31, 2026.

ZIP code 70117 (unincorporated New Orleans/orleans Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,191a year

Half of insured homes paid between $1,041 and $1,306. That is 2% more than the Orleans Parish median ($1,167). Most insured homes here are rated in zone X (78%).

$0$1,041 · $1,191 · $1,306$1,632
+11.9% vs Aug 31, 2025 (median $1,064)
3,970home policies in force
$1,198average 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 70117

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		$1,225$996–$1,552$1,308875 (22%)+13.2%
Zone X
Moderate to low risk		$1,185$1,053–$1,267$1,1683,095 (78%)+12.1%

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 70117, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,619$1,165$1,175
2–4 unit building1,311$1,256$1,266
Condo or apartment unit39$502$541
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.		55$1,268$1,387
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		257$2,432$2,682

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

4,282NFIP policies in force, any building
4,306insured units (condo association policies count every unit)
81%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 70117

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 force4,3843,970−9.4%
Median annual cost$1,064$1,191+11.9%
Average annual cost$1,075$1,198+11.4%
All policies in force (any building)4,7114,282−9.1%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70117 have filed 10,175 flood claims. 8,214 received a payment, for a total of $430.4 million (an average of $52,393 per paid claim). The year with the most claims was 2005 (5,884 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1978: 342 claims, 283 paid, $784,143 in total1979: 17 claims1980: 593 claims, 510 paid, $2,276,206 in total198019801982: 48 claims, 28 paid, $49,435 in total1983: 473 claims, 365 paid, $1,644,767 in total1985: 29 claims, 16 paid, $620,355 in total1986: 13 claims, 10 paid, $121,834 in total1988: 97 claims, 72 paid, $434,163 in total1989: 30 claims, 22 paid, $227,963 in total1990: 92 claims, 74 paid, $482,705 in total19901991: 22 claims, 13 paid, $27,511 in total1992: 12 claims1995: 1,086 claims, 885 paid, $9,209,718 in total19951996: 11 claims1997: 35 claims, 20 paid, $126,483 in total1998: 162 claims, 104 paid, $687,577 in total2000: 13 claims20002001: 175 claims, 90 paid, $406,895 in total2002: 446 claims, 260 paid, $1,491,033 in total2003: 34 claims, 14 paid, $50,969 in total2004: 20 claims2005: 5,884 claims, 5,205 paid, $404,737,046 in total20052008: 76 claims, 15 paid, $1,640,992 in total2009: 10 claims20102012: 101 claims, 34 paid, $352,726 in total2017: 50 claims, 40 paid, $831,742 in total2019: 54 claims, 44 paid, $1,006,287 in total2020: 20 claims20202021: 154 claims, 41 paid, $2,151,827 in total2024: 10 claims2025: 13 claims, 13 paid, $361,937 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 (31)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20251313$361,937$27,841
202410<10––
202115441$2,151,827$52,484
202020<10––
20195444$1,006,287$22,870
20175040$831,742$20,794
201210134$352,726$10,374
200910<10––
20087615$1,640,992$109,399
20055,8845,205$404,737,046$77,759
200420<10––
20033414$50,969$3,641
2002446260$1,491,033$5,735
200117590$406,895$4,521
200013<10––
1998162104$687,577$6,611
19973520$126,483$6,324
199611<10––
19951,086885$9,209,718$10,406
199212<10––
19912213$27,511$2,116
19909274$482,705$6,523
19893022$227,963$10,362
19889772$434,163$6,030
19861310$121,834$12,183
19852916$620,355$38,772
1983473365$1,644,767$4,506
19824828$49,435$1,766
1980593510$2,276,206$4,463
197917<10––
1978342283$784,143$2,771

From 2016 to 2026: 301 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 (3,970 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.