Menu

Flood insurance cost · ZIP 70127 · LA

Flood insurance cost in ZIP 70127 (unincorporated New Orleans/orleans Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,343 home policies in force on August 31, 2026.

ZIP code 70127 (unincorporated New Orleans/orleans Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,079a year

Half of insured homes paid between $932 and $1,213. That is 8% less than the Orleans Parish median ($1,167). Most insured homes here are rated in zone X (93%).

$0$932 · $1,079 · $1,213$1,516
+12.3% vs Aug 31, 2025 (median $961)
2,343home policies in force
$1,055average cost (mean)
7%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 70127

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		$1,018$897–$1,109$1,015165 (7%)+8.1%
Zone X
Moderate to low risk		$1,080$936–$1,215$1,0582,170 (93%)+12.1%

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 70127, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,168$1,073$1,047
2–4 unit building168$1,229$1,194
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.		64$1,666$1,809
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		158$1,890$1,960

Not shown (fewer than 10 policies): manufactured (mobile) home, condo or apartment unit.

2,565NFIP policies in force, any building
2,595insured units (condo association policies count every unit)
89%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 70127

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 force2,5382,343−7.7%
Median annual cost$961$1,079+12.3%
Average annual cost$962$1,055+9.7%
All policies in force (any building)2,7782,565−7.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70127 have filed 7,799 flood claims. 6,700 received a payment, for a total of $664.7 million (an average of $99,208 per paid claim). The year with the most claims was 2005 (5,537 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1978: 48 claims, 39 paid, $97,648 in total1980: 107 claims, 87 paid, $235,855 in total19801981: 12 claims1982: 11 claims1983: 163 claims, 126 paid, $445,407 in total1985: 14 claims1988: 23 claims1989: 13 claims1990: 25 claims, 14 paid, $60,850 in total19901991: 17 claims1995: 812 claims, 642 paid, $7,502,939 in total19951998: 105 claims, 64 paid, $216,746 in total2000: 10 claims20002001: 132 claims, 75 paid, $255,952 in total2002: 214 claims, 116 paid, $502,945 in total20022003: 58 claims, 41 paid, $166,372 in total2004: 14 claims2005: 5,537 claims, 5,307 paid, $652,264,299 in total20052008: 83 claims, 14 paid, $119,402 in total2009: 19 claims, 10 paid, $47,226 in total20102012: 95 claims, 35 paid, $284,484 in total2015: 10 claims2016: 11 claims2017: 15 claims2020: 21 claims20202021: 132 claims, 37 paid, $1,729,722 in total2024: 14 claims
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 (27)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202414<10––
202113237$1,729,722$46,749
202021<10––
201715<10––
201611<10––
201510<10––
20129535$284,484$8,128
20091910$47,226$4,723
20088314$119,402$8,529
20055,5375,307$652,264,299$122,906
200414<10––
20035841$166,372$4,058
2002214116$502,945$4,336
200113275$255,952$3,413
200010<10––
199810564$216,746$3,387
1995812642$7,502,939$11,687
199117<10––
19902514$60,850$4,346
198913<10––
198823<10––
198514<10––
1983163126$445,407$3,535
198211<10––
198112<10––
198010787$235,855$2,711
19784839$97,648$2,504

From 2016 to 2026: 193 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 (2,343 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.