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Flood insurance cost · ZIP 70122 · LA

Flood insurance cost in ZIP 70122 (unincorporated New Orleans/orleans Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 6,775 home policies in force on August 31, 2026.

ZIP code 70122 (unincorporated New Orleans/orleans Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,233a year

Half of insured homes paid between $1,076 and $1,384. That is 6% more than the Orleans Parish median ($1,167). Most insured homes here are rated in zone X (54%).

$0$1,076 · $1,233 · $1,384$1,730
+14.3% vs Aug 31, 2025 (median $1,079)
6,775home policies in force
$1,273average cost (mean)
46%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 70122

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		$1,293$1,058–$1,618$1,3793,124 (46%)+13.1%
Zone AO
High risk, shallow		$1,235$1,170–$1,260$1,23522 (0%)+16.8%
Zone X
Moderate to low risk		$1,215$1,079–$1,265$1,1813,629 (54%)+15.1%

Not shown (fewer than 10 home policies): VE, A, 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 70122, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home5,809$1,230$1,271
2–4 unit building944$1,264$1,300
Condo or apartment unit21$360$425
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.		38$1,902$2,448
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		261$2,679$2,788

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

7,074NFIP policies in force, any building
7,120insured units (condo association policies count every unit)
85%of home policies also cover contents
$99,000median contents coverage, when bought

One year on: ZIP code 70122

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 force7,0856,775−4.4%
Median annual cost$1,079$1,233+14.3%
Average annual cost$1,139$1,273+11.8%
All policies in force (any building)7,3987,074−4.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70122 have filed 15,572 flood claims. 13,537 received a payment, for a total of $1.1 billion (an average of $79,498 per paid claim). The year with the most claims was 2005 (9,626 claims). Amounts are in dollars of the time, not adjusted for inflation.

02.5k5k7.5k10k1978: 232 claims, 196 paid, $616,036 in total1979: 14 claims1980: 398 claims, 345 paid, $1,400,277 in total19801981: 12 claims1982: 95 claims, 67 paid, $350,147 in total1983: 663 claims, 520 paid, $2,432,222 in total19831985: 10 claims1988: 84 claims, 49 paid, $257,885 in total1989: 33 claims, 21 paid, $144,643 in total1990: 166 claims, 131 paid, $774,290 in total19901991: 29 claims, 19 paid, $102,288 in total1992: 16 claims1994: 10 claims1995: 2,504 claims, 2,125 paid, $28,509,634 in total19951998: 293 claims, 214 paid, $1,417,822 in total2000: 14 claims20002001: 109 claims, 46 paid, $139,028 in total2002: 494 claims, 323 paid, $2,222,452 in total2003: 46 claims, 25 paid, $114,091 in total2004: 11 claims2005: 9,626 claims, 9,112 paid, $1,031,384,881 in total20052008: 76 claims2009: 20 claims, 16 paid, $175,900 in total20102012: 172 claims, 67 paid, $624,855 in total2017: 57 claims, 41 paid, $1,189,724 in total2019: 33 claims, 20 paid, $309,485 in total2020: 34 claims, 28 paid, $673,864 in total20202021: 199 claims, 68 paid, $1,636,457 in total2024: 31 claims, 22 paid, $403,854 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 (29)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20243122$403,854$18,357
202119968$1,636,457$24,066
20203428$673,864$24,067
20193320$309,485$15,474
20175741$1,189,724$29,018
201217267$624,855$9,326
20092016$175,900$10,994
200876<10––
20059,6269,112$1,031,384,881$113,190
200411<10––
20034625$114,091$4,564
2002494323$2,222,452$6,881
200110946$139,028$3,022
200014<10––
1998293214$1,417,822$6,625
19952,5042,125$28,509,634$13,416
199410<10––
199216<10––
19912919$102,288$5,384
1990166131$774,290$5,911
19893321$144,643$6,888
19888449$257,885$5,263
198510<10––
1983663520$2,432,222$4,677
19829567$350,147$5,226
198112<10––
1980398345$1,400,277$4,059
197914<10––
1978232196$616,036$3,143

From 2016 to 2026: 354 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 (6,775 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.