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Flood insurance cost · ZIP 70344 · LA

Flood insurance cost in ZIP 70344 (Terrebonne Parish Consolidated Government, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 573 home policies in force on August 31, 2026.

ZIP code 70344 (Terrebonne Parish Consolidated Government, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,654a year

Half of insured homes paid between $1,049 and $2,622. That is 18% more than the Terrebonne Parish median ($1,400). Most insured homes here are rated in zone AE (99%).

$0$1,049 · $1,654 · $2,622$3,278
+3.4% vs Aug 31, 2025 (median $1,599)
573home policies in force
$1,994average cost (mean)
100%of insured homes in high-risk zones (A, V)
$141,000median 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 70344

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		$1,624$1,048–$2,622$1,987565 (99%)+3.0%

Not shown (fewer than 10 home policies): VE, A, AO, AH, A99/AR, X, 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 70344, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home524$1,750$2,049
Manufactured (mobile) home49$1,214$1,406
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		30$1,628$3,517

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

605NFIP policies in force, any building
605insured units (condo association policies count every unit)
56%of home policies also cover contents
$26,000median contents coverage, when bought

One year on: ZIP code 70344

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 force591573−3.0%
Median annual cost$1,599$1,654+3.4%
Average annual cost$1,850$1,994+7.8%
All policies in force (any building)627605−3.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70344 have filed 3,632 flood claims. 3,184 received a payment, for a total of $100.1 million (an average of $31,435 per paid claim). The year with the most claims was 2005 (1,076 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k19801985: 776 claims, 736 paid, $11,418,829 in total198519901992: 612 claims, 537 paid, $6,885,730 in total1997: 10 claims1998: 41 claims, 32 paid, $1,042,254 in total20002001: 11 claims2002: 186 claims, 153 paid, $3,474,463 in total2003: 44 claims, 35 paid, $504,146 in total2004: 13 claims, 13 paid, $1,052,669 in total2005: 1,076 claims, 967 paid, $48,268,715 in total20052008: 662 claims, 562 paid, $21,856,312 in total200820102011: 12 claims2017: 10 claims2019: 16 claims, 12 paid, $423,782 in total2020: 23 claims, 21 paid, $408,151 in total20202021: 51 claims, 28 paid, $1,257,188 in total2024: 11 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 (16)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202411<10––
20215128$1,257,188$44,900
20202321$408,151$19,436
20191612$423,782$35,315
201710<10––
201112<10––
2008662562$21,856,312$38,890
20051,076967$48,268,715$49,916
20041313$1,052,669$80,975
20034435$504,146$14,404
2002186153$3,474,463$22,709
200111<10––
19984132$1,042,254$32,570
199710<10––
1992612537$6,885,730$12,823
1985776736$11,418,829$15,515

From 2016 to 2026: 111 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

Terrebonne Parish Consolidated Government (573 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.