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Flood insurance cost · ZIP 70131 · LA

Flood insurance cost in ZIP 70131 (unincorporated New Orleans/orleans Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,512 home policies in force on August 31, 2026.

ZIP code 70131 (unincorporated New Orleans/orleans Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,266a year

Half of insured homes paid between $1,191 and $2,642. That is 8% more than the Orleans Parish median ($1,167). Most insured homes here are rated in zone X (53%).

$0$1,191 · $1,266 · $2,642$3,302
+16.8% vs Aug 31, 2025 (median $1,084)
3,512home policies in force
$1,929average cost (mean)
47%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 70131

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		$2,664$1,526–$3,582$2,6931,639 (47%)+10.8%
Zone X
Moderate to low risk		$1,234$1,083–$1,265$1,2601,873 (53%)+16.7%

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 70131, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,426$1,266$1,932
2–4 unit building61$2,445$2,216
Condo or apartment unit25$865$811
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.		135$4,579$4,242
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		88$5,744$6,495

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

3,735NFIP policies in force, any building
3,738insured units (condo association policies count every unit)
86%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 70131

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 force3,7553,512−6.5%
Median annual cost$1,084$1,266+16.8%
Average annual cost$1,693$1,929+13.9%
All policies in force (any building)3,9933,735−6.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70131 have filed 6,377 flood claims. 3,769 received a payment, for a total of $35.3 million (an average of $9,377 per paid claim). The year with the most claims was 2005 (2,824 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 363 claims, 335 paid, $1,783,673 in total1979: 16 claims, 10 paid, $40,404 in total1980: 513 claims, 467 paid, $3,304,383 in total198019801982: 104 claims, 84 paid, $204,200 in total1983: 382 claims, 317 paid, $1,675,154 in total19831985: 16 claims1988: 81 claims, 57 paid, $164,925 in total1989: 97 claims, 72 paid, $285,895 in total1990: 98 claims, 87 paid, $414,918 in total19901991: 18 claims1992: 18 claims1994: 21 claims, 15 paid, $27,150 in total1995: 354 claims, 282 paid, $2,411,914 in total1997: 18 claims, 11 paid, $146,308 in total1998: 136 claims, 106 paid, $359,783 in total2000: 27 claims, 13 paid, $34,704 in total20002001: 182 claims, 138 paid, $656,222 in total2002: 182 claims, 114 paid, $573,952 in total2003: 22 claims, 12 paid, $50,131 in total2004: 10 claims2005: 2,824 claims, 1,101 paid, $11,936,656 in total20052006: 17 claims2007: 27 claims, 18 paid, $146,439 in total2008: 128 claims, 71 paid, $1,200,782 in total2009: 64 claims, 47 paid, $460,448 in total20102011: 175 claims, 137 paid, $4,417,018 in total2012: 145 claims, 62 paid, $479,297 in total2013: 18 claims, 11 paid, $71,522 in total2019: 14 claims, 12 paid, $292,697 in total2020: 26 claims, 16 paid, $234,693 in total20202021: 203 claims, 111 paid, $3,506,737 in total2024: 12 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 (32)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202412<10––
2021203111$3,506,737$31,592
20202616$234,693$14,668
20191412$292,697$24,391
20131811$71,522$6,502
201214562$479,297$7,731
2011175137$4,417,018$32,241
20096447$460,448$9,797
200812871$1,200,782$16,912
20072718$146,439$8,136
200617<10––
20052,8241,101$11,936,656$10,842
200410<10––
20032212$50,131$4,178
2002182114$573,952$5,035
2001182138$656,222$4,755
20002713$34,704$2,670
1998136106$359,783$3,394
19971811$146,308$13,301
1995354282$2,411,914$8,553
19942115$27,150$1,810
199218<10––
199118<10––
19909887$414,918$4,769
19899772$285,895$3,971
19888157$164,925$2,893
198516<10––
1983382317$1,675,154$5,284
198210484$204,200$2,431
1980513467$3,304,383$7,076
19791610$40,404$4,040
1978363335$1,783,673$5,324

From 2016 to 2026: 255 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 (3,511 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.