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Flood insurance cost · ZIP 70301 · LA

Flood insurance cost in ZIP 70301 (unincorporated Lafourche Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,627 home policies in force on August 31, 2026.

ZIP code 70301 (unincorporated Lafourche Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,259a year

Half of insured homes paid between $1,083 and $1,385. That is about the same as the Lafourche Parish median ($1,252). Most insured homes here are rated in zone X (70%).

$0$1,083 · $1,259 · $1,385$1,731
+16.7% vs Aug 31, 2025 (median $1,079)
2,627home policies in force
$1,399average cost (mean)
30%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 70301

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		$2,329$1,902–$2,636$2,30963 (2%)+12.1%
Zone A
High risk		$1,608$1,255–$2,193$1,845627 (24%)+12.1%
Zone AH
High risk, shallow		$1,106$871–$1,512$1,35297 (4%)+17.2%
Zone X
Moderate to low risk		$1,232$1,082–$1,266$1,2191,831 (70%)+16.8%

Not shown (fewer than 10 home policies): VE, AO, 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 70301, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,384$1,259$1,402
2–4 unit building114$1,600$1,537
Manufactured (mobile) home123$1,193$1,251
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.		19$1,596$2,118
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		134$2,812$3,362

Not shown (fewer than 10 policies): condo or apartment unit.

2,780NFIP policies in force, any building
2,784insured units (condo association policies count every unit)
80%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 70301

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 force2,9362,627−10.5%
Median annual cost$1,079$1,259+16.7%
Average annual cost$1,232$1,399+13.6%
All policies in force (any building)3,0992,780−10.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70301 have filed 1,245 flood claims. 1,008 received a payment, for a total of $26.5 million (an average of $26,271 per paid claim). The year with the most claims was 2001 (414 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 17 claims, 15 paid, $39,575 in total1980: 68 claims, 62 paid, $228,871 in total19801983: 19 claims, 14 paid, $25,975 in total1985: 14 claims, 11 paid, $94,755 in total1990: 56 claims, 52 paid, $216,811 in total19901991: 70 claims, 61 paid, $586,808 in total1992: 17 claims, 11 paid, $80,558 in total1995: 52 claims, 45 paid, $403,627 in total1999: 70 claims, 65 paid, $1,222,349 in total20002001: 414 claims, 372 paid, $9,408,928 in total20012002: 22 claims, 11 paid, $76,126 in total2005: 33 claims2008: 34 claims2009: 13 claims, 10 paid, $150,236 in total20102012: 21 claims20202021: 117 claims, 83 paid, $6,455,790 in total20212024: 120 claims, 110 paid, $6,172,702 in total20242026: 12 claims, 11 paid, $594,733 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 (18)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20261211$594,733$54,067
2024120110$6,172,702$56,115
202111783$6,455,790$77,781
201221<10––
20091310$150,236$15,024
200834<10––
200533<10––
20022211$76,126$6,921
2001414372$9,408,928$25,293
19997065$1,222,349$18,805
19955245$403,627$8,969
19921711$80,558$7,323
19917061$586,808$9,620
19905652$216,811$4,169
19851411$94,755$8,614
19831914$25,975$1,855
19806862$228,871$3,691
19791715$39,575$2,638

From 2016 to 2026: 249 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 Lafourche Parish (2,197 home policies) · Thibodaux (326 home policies) · Terrebonne Parish Consolidated Government (95 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.