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Flood insurance cost · ZIP 70129 · LA

Flood insurance cost in ZIP 70129 (unincorporated New Orleans/orleans Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 969 home policies in force on August 31, 2026.

ZIP code 70129 (unincorporated New Orleans/orleans Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$979a year

Half of insured homes paid between $846 and $1,247. That is 16% less than the Orleans Parish median ($1,167). Most insured homes here are rated in zone X (65%).

$0$846 · $979 · $1,247$1,559
+5.4% vs Aug 31, 2025 (median $929)
969home policies in force
$1,428average cost (mean)
35%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 70129

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 VE / V
High risk, coastal		$2,870$2,067–$3,615$2,99895 (10%)+5.0%
Zone AE
High risk		$1,315$1,093–$2,354$2,173243 (25%)+11.6%
Zone X
Moderate to low risk		$899$804–$1,002$905631 (65%)+3.2%

Not shown (fewer than 10 home policies): 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 70129, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home879$983$1,470
2–4 unit building86$952$1,036
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.		29$1,317$1,636
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		65$1,768$2,679

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

1,063NFIP policies in force, any building
1,084insured units (condo association policies count every unit)
86%of home policies also cover contents
$95,000median contents coverage, when bought

One year on: ZIP code 70129

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 force1,041969−6.9%
Median annual cost$929$979+5.4%
Average annual cost$1,340$1,428+6.6%
All policies in force (any building)1,1381,063−6.6%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70129 have filed 3,789 flood claims. 3,202 received a payment, for a total of $244.1 million (an average of $76,231 per paid claim). The year with the most claims was 2005 (2,257 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 13 claims1979: 17 claims, 14 paid, $50,689 in total1980: 34 claims, 25 paid, $121,145 in total19801983: 71 claims, 58 paid, $188,167 in total1985: 80 claims, 63 paid, $495,214 in total19901991: 10 claims1995: 73 claims, 40 paid, $256,010 in total1996: 11 claims1998: 176 claims, 145 paid, $1,803,850 in total20002001: 25 claims, 10 paid, $45,564 in total2002: 216 claims, 158 paid, $2,528,313 in total2003: 17 claims2004: 72 claims, 57 paid, $598,434 in total2005: 2,257 claims, 2,098 paid, $227,079,778 in total20052008: 218 claims, 174 paid, $3,994,957 in total200820102011: 11 claims2012: 284 claims, 218 paid, $4,118,121 in total20122020: 14 claims20202021: 130 claims, 86 paid, $2,018,770 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 (19)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202113086$2,018,770$23,474
202014<10––
2012284218$4,118,121$18,890
201111<10––
2008218174$3,994,957$22,960
20052,2572,098$227,079,778$108,236
20047257$598,434$10,499
200317<10––
2002216158$2,528,313$16,002
20012510$45,564$4,556
1998176145$1,803,850$12,440
199611<10––
19957340$256,010$6,400
199110<10––
19858063$495,214$7,861
19837158$188,167$3,244
19803425$121,145$4,846
19791714$50,689$3,621
197813<10––

From 2016 to 2026: 144 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 (969 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.