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Flood insurance cost · ZIP 70125 · LA

Flood insurance cost in ZIP 70125 (unincorporated New Orleans/orleans Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,146 home policies in force on August 31, 2026.

ZIP code 70125 (unincorporated New Orleans/orleans Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,366a year

Half of insured homes paid between $1,133 and $1,680. That is 17% more than the Orleans Parish median ($1,167). Most insured homes here are rated in zone AE (78%).

$0$1,133 · $1,366 · $1,680$2,100
+8.8% vs Aug 31, 2025 (median $1,256)
3,146home policies in force
$1,456average cost (mean)
78%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 70125

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		$1,460$1,174–$1,783$1,5232,457 (78%)+6.2%
Zone X
Moderate to low risk		$1,227$1,081–$1,309$1,217687 (22%)+13.7%

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 70125, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,935$1,292$1,438
2–4 unit building1,198$1,460$1,494
Condo or apartment unit13$535$602
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.		43$1,757$2,161
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		282$2,458$2,680

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

3,471NFIP policies in force, any building
3,480insured units (condo association policies count every unit)
67%of home policies also cover contents
$70,000median contents coverage, when bought

One year on: ZIP code 70125

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 force3,2453,146−3.1%
Median annual cost$1,256$1,366+8.8%
Average annual cost$1,354$1,456+7.5%
All policies in force (any building)3,5793,471−3.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70125 have filed 10,831 flood claims. 9,670 received a payment, for a total of $476.8 million (an average of $49,311 per paid claim). The year with the most claims was 2005 (3,568 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 501 claims, 433 paid, $2,303,519 in total1980: 919 claims, 844 paid, $5,155,868 in total19801981: 312 claims, 278 paid, $1,264,976 in total1982: 269 claims, 225 paid, $916,703 in total1983: 989 claims, 839 paid, $5,808,801 in total19831988: 252 claims, 220 paid, $1,247,392 in total1989: 34 claims, 26 paid, $206,344 in total1990: 43 claims, 36 paid, $168,679 in total19901991: 680 claims, 586 paid, $5,663,270 in total1992: 86 claims, 67 paid, $304,356 in total1994: 120 claims, 100 paid, $613,437 in total1995: 1,562 claims, 1,424 paid, $25,874,562 in total19951998: 734 claims, 622 paid, $7,467,856 in total20002001: 69 claims, 37 paid, $152,876 in total2002: 164 claims, 73 paid, $374,019 in total2003: 16 claims2005: 3,568 claims, 3,493 paid, $407,148,185 in total20052008: 27 claims2009: 11 claims20102012: 27 claims, 12 paid, $54,843 in total2017: 13 claims2019: 281 claims, 241 paid, $9,710,492 in total20202021: 35 claims, 10 paid, $178,848 in total2023: 20 claims, 16 paid, $405,212 in total2024: 39 claims, 32 paid, $904,432 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
20243932$904,432$28,264
20232016$405,212$25,326
20213510$178,848$17,885
2019281241$9,710,492$40,292
201713<10––
20122712$54,843$4,570
200911<10––
200827<10––
20053,5683,493$407,148,185$116,561
200316<10––
200216473$374,019$5,124
20016937$152,876$4,132
1998734622$7,467,856$12,006
19951,5621,424$25,874,562$18,170
1994120100$613,437$6,134
19928667$304,356$4,543
1991680586$5,663,270$9,664
19904336$168,679$4,686
19893426$206,344$7,936
1988252220$1,247,392$5,670
1983989839$5,808,801$6,923
1982269225$916,703$4,074
1981312278$1,264,976$4,550
1980919844$5,155,868$6,109
1978501433$2,303,519$5,320

From 2016 to 2026: 388 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 (3,146 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.