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Flood insurance cost · ZIP 70119 · LA

Flood insurance cost in ZIP 70119 (unincorporated New Orleans/orleans Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 5,552 home policies in force on August 31, 2026.

ZIP code 70119 (unincorporated New Orleans/orleans Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,120a year

Half of insured homes paid between $976 and $1,270. That is 4% less than the Orleans Parish median ($1,167). Most insured homes here are rated in zone X (64%).

$0$976 · $1,120 · $1,270$1,588
+7.0% vs Aug 31, 2025 (median $1,047)
5,552home policies in force
$1,139average cost (mean)
36%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 70119

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		$1,174$997–$1,372$1,2081,984 (36%)+8.9%
Zone X
Moderate to low risk		$1,086$968–$1,259$1,1003,568 (64%)+5.4%

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 70119, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,041$1,084$1,103
2–4 unit building2,456$1,181$1,197
Condo or apartment unit54$391$457
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.		129$1,685$1,903
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		715$2,105$2,258

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

6,396NFIP policies in force, any building
6,490insured units (condo association policies count every unit)
79%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 70119

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 force5,8205,552−4.6%
Median annual cost$1,047$1,120+7.0%
Average annual cost$1,050$1,139+8.5%
All policies in force (any building)6,7036,396−4.6%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70119 have filed 11,407 flood claims. 10,027 received a payment, for a total of $633.2 million (an average of $63,154 per paid claim). The year with the most claims was 2005 (6,934 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1978: 172 claims, 133 paid, $705,078 in total1980: 301 claims, 246 paid, $1,106,072 in total19801981: 23 claims, 15 paid, $47,435 in total1982: 16 claims, 11 paid, $52,374 in total1983: 342 claims, 282 paid, $1,522,430 in total1988: 56 claims, 45 paid, $106,131 in total1989: 16 claims, 12 paid, $69,604 in total1990: 154 claims, 134 paid, $1,132,136 in total19901991: 100 claims, 76 paid, $947,218 in total1995: 1,032 claims, 849 paid, $11,513,699 in total19951998: 530 claims, 445 paid, $5,122,300 in total19982000: 17 claims20002001: 116 claims, 54 paid, $236,353 in total2002: 469 claims, 325 paid, $3,043,142 in total2003: 40 claims, 29 paid, $211,248 in total2004: 20 claims, 11 paid, $63,412 in total2005: 6,934 claims, 6,620 paid, $583,234,726 in total20052008: 52 claims2009: 29 claims, 24 paid, $440,057 in total20102012: 84 claims, 35 paid, $319,952 in total2017: 507 claims, 451 paid, $17,029,489 in total2019: 142 claims, 110 paid, $3,598,541 in total20202021: 112 claims, 36 paid, $1,061,596 in total2023: 11 claims2024: 38 claims, 31 paid, $699,126 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 (25)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20243831$699,126$22,552
202311<10––
202111236$1,061,596$29,489
2019142110$3,598,541$32,714
2017507451$17,029,489$37,759
20128435$319,952$9,141
20092924$440,057$18,336
200852<10––
20056,9346,620$583,234,726$88,102
20042011$63,412$5,765
20034029$211,248$7,284
2002469325$3,043,142$9,364
200111654$236,353$4,377
200017<10––
1998530445$5,122,300$11,511
19951,032849$11,513,699$13,561
199110076$947,218$12,463
1990154134$1,132,136$8,449
19891612$69,604$5,800
19885645$106,131$2,358
1983342282$1,522,430$5,399
19821611$52,374$4,761
19812315$47,435$3,162
1980301246$1,106,072$4,496
1978172133$705,078$5,301

From 2016 to 2026: 810 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 (5,552 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.