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Flood insurance cost · ZIP 70130 · LA

Flood insurance cost in ZIP 70130 (unincorporated New Orleans/orleans Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,199 home policies in force on August 31, 2026.

ZIP code 70130 (unincorporated New Orleans/orleans Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$940a year

Half of insured homes paid between $837 and $1,084. That is 19% less than the Orleans Parish median ($1,167). Most insured homes here are rated in zone X (96%).

$0$837 · $940 · $1,084$1,355
+3.0% vs Aug 31, 2025 (median $913)
1,199home policies in force
$939average cost (mean)
4%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 70130

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		$1,041$748–$1,183$96046 (4%)+4.5%
Zone X
Moderate to low risk		$940$839–$1,084$9381,153 (96%)+3.2%

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 70130, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home608$997$1,011
2–4 unit building416$943$1,015
Condo or apartment unit175$514$508
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.		226$1,457$1,878
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		630$1,772$1,881

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

2,055NFIP policies in force, any building
4,046insured 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 70130

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 force1,2751,199−6.0%
Median annual cost$913$940+3.0%
Average annual cost$894$939+5.0%
All policies in force (any building)2,1692,055−5.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70130 have filed 2,115 flood claims. 1,142 received a payment, for a total of $37.8 million (an average of $33,133 per paid claim). The year with the most claims was 2005 (866 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k1978: 82 claims, 66 paid, $333,511 in total1980: 166 claims, 141 paid, $1,411,551 in total198019801982: 17 claims, 11 paid, $134,241 in total1983: 60 claims, 47 paid, $351,815 in total1988: 36 claims, 28 paid, $343,713 in total1990: 22 claims, 16 paid, $170,382 in total19901991: 55 claims, 48 paid, $424,174 in total1994: 32 claims, 23 paid, $283,301 in total1995: 285 claims, 215 paid, $4,134,478 in total19951998: 90 claims, 62 paid, $928,310 in total20002001: 18 claims, 10 paid, $57,322 in total2002: 29 claims, 14 paid, $184,035 in total2003: 49 claims, 39 paid, $744,188 in total2005: 866 claims, 239 paid, $18,431,913 in total20052007: 13 claims, 10 paid, $239,178 in total20102012: 36 claims, 11 paid, $136,536 in total2017: 19 claims, 15 paid, $506,269 in total2019: 117 claims, 85 paid, $6,361,369 in total20202021: 29 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 (19)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202129<10––
201911785$6,361,369$74,840
20171915$506,269$33,751
20123611$136,536$12,412
20071310$239,178$23,918
2005866239$18,431,913$77,121
20034939$744,188$19,082
20022914$184,035$13,145
20011810$57,322$5,732
19989062$928,310$14,973
1995285215$4,134,478$19,230
19943223$283,301$12,317
19915548$424,174$8,837
19902216$170,382$10,649
19883628$343,713$12,275
19836047$351,815$7,485
19821711$134,241$12,204
1980166141$1,411,551$10,011
19788266$333,511$5,053

From 2016 to 2026: 165 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 (1,199 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.