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Flood insurance cost · ZIP 70339 · LA

Flood insurance cost in ZIP 70339 (unincorporated Assumption Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 658 home policies in force on August 31, 2026.

ZIP code 70339 (unincorporated Assumption Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,226a year

Half of insured homes paid between $916 and $1,593. That is 6% more than the Assumption Parish median ($1,160). Most insured homes here are rated in zone AE (77%).

$0$916 · $1,226 · $1,593$1,991
+18.7% vs Aug 31, 2025 (median $1,033)
658home policies in force
$1,420average cost (mean)
85%of insured homes in high-risk zones (A, V)
$219,000median 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 70339

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		$1,246$918–$1,777$1,473504 (77%)+19.1%
Zone A
High risk		$1,246$1,044–$1,418$1,23827 (4%)+12.5%
Zone AH
High risk, shallow		$1,282$974–$1,507$1,44421 (3%)+16.7%
Zone X
Moderate to low risk		$1,086$877–$1,265$1,10697 (15%)+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 70339, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home598$1,246$1,454
Manufactured (mobile) home60$872$1,074
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		46$1,768$2,425

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit, whole residential building (5+ units or condo association).

708NFIP policies in force, any building
708insured units (condo association policies count every unit)
53%of home policies also cover contents
$51,000median contents coverage, when bought

One year on: ZIP code 70339

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 force706658−6.8%
Median annual cost$1,033$1,226+18.7%
Average annual cost$1,247$1,420+13.9%
All policies in force (any building)766708−7.6%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70339 have filed 563 flood claims. 440 received a payment, for a total of $2,913,358 (an average of $6,621 per paid claim). The year with the most claims was 1979 (90 claims). Amounts are in dollars of the time, not adjusted for inflation.

02550751001979: 90 claims, 72 paid, $120,887 in total19791980: 74 claims, 59 paid, $72,562 in total198019801983: 22 claims, 14 paid, $44,232 in total19901991: 70 claims, 61 paid, $353,041 in total19911992: 16 claims, 13 paid, $78,994 in total1997: 19 claims, 16 paid, $83,961 in total20002001: 41 claims, 38 paid, $333,234 in total2003: 33 claims, 27 paid, $302,252 in total2005: 17 claims2008: 29 claims, 19 paid, $130,309 in total2009: 20 claims, 17 paid, $252,176 in total20102011: 28 claims, 27 paid, $28,794 in total2019: 20 claims, 12 paid, $197,859 in total20202021: 19 claims, 17 paid, $494,747 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 (14)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20211917$494,747$29,103
20192012$197,859$16,488
20112827$28,794$1,066
20092017$252,176$14,834
20082919$130,309$6,858
200517<10––
20033327$302,252$11,195
20014138$333,234$8,769
19971916$83,961$5,248
19921613$78,994$6,076
19917061$353,041$5,788
19832214$44,232$3,159
19807459$72,562$1,230
19799072$120,887$1,679

From 2016 to 2026: 39 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 Assumption Parish (621 home policies) · Unincorporated St. Martin Parish (37 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.