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Flood insurance cost · ZIP 70123 · LA

Flood insurance cost in ZIP 70123 (unincorporated Jefferson Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 5,161 home policies in force on August 31, 2026.

ZIP code 70123 (unincorporated Jefferson Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$904a year

Half of insured homes paid between $802 and $1,008. That is 26% less than the Jefferson Parish median ($1,220). Most insured homes here are rated in zone X (74%).

$0$802 · $904 · $1,008$1,260
−0.8% vs Aug 31, 2025 (median $911)
5,161home policies in force
$905average cost (mean)
26%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 70123

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		$977$863–$1,098$9801,341 (26%)±0.0%
Zone X
Moderate to low risk		$883$787–$977$8793,820 (74%)−1.0%

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 70123, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home4,990$905$911
2–4 unit building92$1,000$1,034
Condo or apartment unit79$356$373
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.		223$1,314$1,365
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		646$1,300$1,355

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

6,030NFIP policies in force, any building
6,066insured units (condo association policies count every unit)
95%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 70123

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 force5,3745,161−4.0%
Median annual cost$911$904−0.8%
Average annual cost$907$905−0.2%
All policies in force (any building)6,2536,030−3.6%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70123 have filed 7,905 flood claims. 5,838 received a payment, for a total of $151.8 million (an average of $25,996 per paid claim). The year with the most claims was 2005 (2,601 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 352 claims, 329 paid, $2,509,605 in total1979: 14 claims, 11 paid, $15,032 in total1980: 360 claims, 304 paid, $1,735,107 in total198019801981: 40 claims, 31 paid, $54,471 in total1982: 32 claims, 27 paid, $62,135 in total1983: 191 claims, 147 paid, $554,911 in total1988: 117 claims, 93 paid, $477,763 in total1989: 287 claims, 250 paid, $2,167,628 in total19901991: 26 claims, 17 paid, $69,217 in total1994: 25 claims, 25 paid, $267,697 in total1995: 2,435 claims, 2,285 paid, $81,144,511 in total19951997: 20 claims1998: 145 claims, 112 paid, $689,906 in total1999: 65 claims, 53 paid, $473,896 in total20002001: 75 claims, 60 paid, $352,181 in total2002: 164 claims, 136 paid, $1,588,863 in total2004: 55 claims, 45 paid, $1,469,125 in total2005: 2,601 claims, 1,256 paid, $41,789,949 in total20052008: 158 claims, 109 paid, $2,849,123 in total2009: 147 claims, 131 paid, $1,823,728 in total20102011: 56 claims, 41 paid, $492,292 in total2012: 89 claims, 54 paid, $499,136 in total2016: 59 claims, 51 paid, $1,062,232 in total2017: 56 claims, 47 paid, $887,948 in total2019: 13 claims, 11 paid, $310,558 in total20202021: 94 claims, 38 paid, $818,666 in total2024: 116 claims, 109 paid, $6,889,604 in total2026: 15 claims, 14 paid, $474,685 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 (28)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20261514$474,685$33,906
2024116109$6,889,604$63,207
20219438$818,666$21,544
20191311$310,558$28,233
20175647$887,948$18,893
20165951$1,062,232$20,828
20128954$499,136$9,243
20115641$492,292$12,007
2009147131$1,823,728$13,922
2008158109$2,849,123$26,139
20052,6011,256$41,789,949$33,272
20045545$1,469,125$32,647
2002164136$1,588,863$11,683
20017560$352,181$5,870
19996553$473,896$8,941
1998145112$689,906$6,160
199720<10––
19952,4352,285$81,144,511$35,512
19942525$267,697$10,708
19912617$69,217$4,072
1989287250$2,167,628$8,671
198811793$477,763$5,137
1983191147$554,911$3,775
19823227$62,135$2,301
19814031$54,471$1,757
1980360304$1,735,107$5,708
19791411$15,032$1,367
1978352329$2,509,605$7,628

From 2016 to 2026: 353 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 (3,249 home policies) · Harahan (1,911 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.