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Flood insurance cost · ZIP 70126 · LA

Flood insurance cost in ZIP 70126 (unincorporated New Orleans/orleans Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,887 home policies in force on August 31, 2026.

ZIP code 70126 (unincorporated New Orleans/orleans Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,134a year

Half of insured homes paid between $974 and $1,266. That is 3% less than the Orleans Parish median ($1,167). Most insured homes here are rated in zone X (73%).

$0$974 · $1,134 · $1,266$1,582
+10.6% vs Aug 31, 2025 (median $1,025)
3,887home policies in force
$1,210average cost (mean)
27%of insured homes in high-risk zones (A, V)
$236,000median 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 70126

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		$1,086$898–$1,318$1,1711,055 (27%)+8.5%
Zone AO
High risk, shallow		$1,124$1,053–$1,260$1,13112 (0%)+10.4%
Zone X
Moderate to low risk		$1,156$1,012–$1,265$1,2252,820 (73%)+11.5%

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 70126, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,306$1,115$1,143
2–4 unit building567$1,264$1,616
Condo or apartment unit12$588$564
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.		63$1,612$1,802
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		265$2,642$3,194

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

4,215NFIP policies in force, any building
4,215insured units (condo association policies count every unit)
84%of home policies also cover contents
$77,500median contents coverage, when bought

One year on: ZIP code 70126

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 force4,0783,887−4.7%
Median annual cost$1,025$1,134+10.6%
Average annual cost$1,089$1,210+11.1%
All policies in force (any building)4,4224,215−4.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70126 have filed 13,161 flood claims. 11,554 received a payment, for a total of $928.4 million (an average of $80,353 per paid claim). The year with the most claims was 2005 (8,081 claims). Amounts are in dollars of the time, not adjusted for inflation.

02.5k5k7.5k10k1978: 145 claims, 113 paid, $399,711 in total1979: 15 claims1980: 233 claims, 188 paid, $925,181 in total19801981: 18 claims1982: 17 claims, 13 paid, $49,406 in total1983: 597 claims, 479 paid, $3,361,513 in total19831985: 26 claims, 20 paid, $762,356 in total1988: 122 claims, 78 paid, $461,381 in total1989: 21 claims, 13 paid, $49,829 in total1990: 213 claims, 190 paid, $1,686,827 in total19901991: 22 claims1992: 13 claims1994: 13 claims1995: 1,945 claims, 1,716 paid, $27,125,040 in total19951998: 147 claims, 93 paid, $1,902,767 in total20002001: 197 claims, 115 paid, $688,468 in total2002: 564 claims, 380 paid, $4,994,922 in total2003: 72 claims, 44 paid, $254,782 in total2004: 31 claims, 17 paid, $134,559 in total2005: 8,081 claims, 7,833 paid, $877,936,844 in total20052008: 111 claims, 35 paid, $3,594,781 in total2009: 21 claims, 13 paid, $191,782 in total20102011: 19 claims, 11 paid, $380,652 in total2012: 177 claims, 68 paid, $1,721,644 in total2016: 15 claims2020: 23 claims20202021: 189 claims, 43 paid, $826,421 in total2022: 11 claims2024: 24 claims, 12 paid, $222,016 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
20242412$222,016$18,501
202211<10––
202118943$826,421$19,219
202023<10––
201615<10––
201217768$1,721,644$25,318
20111911$380,652$34,605
20092113$191,782$14,752
200811135$3,594,781$102,708
20058,0817,833$877,936,844$112,082
20043117$134,559$7,915
20037244$254,782$5,790
2002564380$4,994,922$13,145
2001197115$688,468$5,987
199814793$1,902,767$20,460
19951,9451,716$27,125,040$15,807
199413<10––
199213<10––
199122<10––
1990213190$1,686,827$8,878
19892113$49,829$3,833
198812278$461,381$5,915
19852620$762,356$38,118
1983597479$3,361,513$7,018
19821713$49,406$3,800
198118<10––
1980233188$925,181$4,921
197915<10––
1978145113$399,711$3,537

From 2016 to 2026: 262 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 (3,887 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.