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Flood insurance cost · ZIP 70121 · LA

Flood insurance cost in ZIP 70121 (unincorporated Jefferson Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,066 home policies in force on August 31, 2026.

ZIP code 70121 (unincorporated Jefferson Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$782a year

Half of insured homes paid between $674 and $876. That is 36% less than the Jefferson Parish median ($1,220). Most insured homes here are rated in zone X (71%).

$0$674 · $782 · $876$1,095
−2.1% vs Aug 31, 2025 (median $799)
2,066home policies in force
$779average cost (mean)
29%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 70121

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		$802$705–$867$800597 (29%)+2.6%
Zone X
Moderate to low risk		$776$655–$879$7711,469 (71%)−3.2%

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 70121, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,756$787$794
2–4 unit building221$821$818
Condo or apartment unit89$385$394
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.		101$1,115$1,196
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		246$1,316$1,441

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

2,413NFIP policies in force, any building
2,696insured units (condo association policies count every unit)
86%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 70121

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 force2,1592,066−4.3%
Median annual cost$799$782−2.1%
Average annual cost$799$779−2.5%
All policies in force (any building)2,5242,413−4.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70121 have filed 3,074 flood claims. 2,209 received a payment, for a total of $35.5 million (an average of $16,051 per paid claim). The year with the most claims was 2005 (1,275 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 173 claims, 146 paid, $394,325 in total1980: 150 claims, 115 paid, $312,450 in total19801981: 22 claims, 21 paid, $64,845 in total1982: 35 claims, 26 paid, $71,608 in total1983: 191 claims, 149 paid, $443,745 in total19831988: 32 claims, 19 paid, $88,382 in total1989: 28 claims, 18 paid, $80,212 in total19901991: 178 claims, 152 paid, $785,695 in total1992: 12 claims1994: 42 claims, 35 paid, $272,137 in total1995: 581 claims, 526 paid, $8,258,664 in total19951998: 51 claims, 42 paid, $379,503 in total20002001: 15 claims, 10 paid, $60,549 in total2002: 27 claims, 19 paid, $95,258 in total2004: 28 claims, 25 paid, $343,910 in total2005: 1,275 claims, 758 paid, $19,901,890 in total20052006: 12 claims2008: 56 claims, 30 paid, $546,833 in total2009: 24 claims, 16 paid, $473,375 in total20102012: 29 claims, 11 paid, $40,754 in total2019: 10 claims20202021: 22 claims2024: 24 claims, 21 paid, $1,794,056 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
20242421$1,794,056$85,431
202122<10––
201910<10––
20122911$40,754$3,705
20092416$473,375$29,586
20085630$546,833$18,228
200612<10––
20051,275758$19,901,890$26,256
20042825$343,910$13,756
20022719$95,258$5,014
20011510$60,549$6,055
19985142$379,503$9,036
1995581526$8,258,664$15,701
19944235$272,137$7,775
199212<10––
1991178152$785,695$5,169
19892818$80,212$4,456
19883219$88,382$4,652
1983191149$443,745$2,978
19823526$71,608$2,754
19812221$64,845$3,088
1980150115$312,450$2,717
1978173146$394,325$2,701

From 2016 to 2026: 56 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 Jefferson Parish (2,065 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.