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Flood insurance cost · ZIP 70345 · LA

Flood insurance cost in ZIP 70345 (unincorporated Lafourche Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,390 home policies in force on August 31, 2026.

ZIP code 70345 (unincorporated Lafourche Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,155a year

Half of insured homes paid between $1,011 and $1,265. That is 8% less than the Lafourche Parish median ($1,252). Most insured homes here are rated in zone A99 / AR (64%).

$0$1,011 · $1,155 · $1,265$1,581
+16.2% vs Aug 31, 2025 (median $994)
1,390home policies in force
$1,280average cost (mean)
99%of insured homes in high-risk zones (A, V)
$200,000median 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 70345

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		$1,263$1,061–$1,946$1,580493 (35%)+15.6%
Zone A99 / AR
High risk, levee areas		$1,084$985–$1,238$1,114888 (64%)+16.6%

Not shown (fewer than 10 home policies): VE, A, AO, AH, 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 70345, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,269$1,153$1,269
2–4 unit building27$1,191$1,135
Manufactured (mobile) home94$1,305$1,467
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		106$3,764$4,103

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

1,496NFIP policies in force, any building
1,496insured units (condo association policies count every unit)
85%of home policies also cover contents
$79,500median contents coverage, when bought

One year on: ZIP code 70345

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 force1,4651,390−5.1%
Median annual cost$994$1,155+16.2%
Average annual cost$1,124$1,280+13.9%
All policies in force (any building)1,5841,496−5.6%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70345 have filed 1,008 flood claims. 563 received a payment, for a total of $8,676,619 (an average of $15,411 per paid claim). The year with the most claims was 1985 (305 claims). Amounts are in dollars of the time, not adjusted for inflation.

010020030040019801985: 305 claims, 283 paid, $3,921,323 in total198519901991: 10 claims, 10 paid, $78,460 in total1992: 13 claims, 10 paid, $127,293 in total1993: 10 claims1998: 15 claims, 11 paid, $126,264 in total20002001: 13 claims2002: 21 claims, 12 paid, $70,185 in total2004: 12 claims, 10 paid, $62,149 in total2005: 137 claims, 59 paid, $1,190,001 in total20052007: 17 claims, 14 paid, $459,273 in total2008: 238 claims, 15 paid, $294,709 in total200820102012: 30 claims, 21 paid, $286,359 in total2017: 21 claims, 12 paid, $121,193 in total20202021: 70 claims, 27 paid, $1,317,614 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
20217027$1,317,614$48,801
20172112$121,193$10,099
20123021$286,359$13,636
200823815$294,709$19,647
20071714$459,273$32,805
200513759$1,190,001$20,170
20041210$62,149$6,215
20022112$70,185$5,849
200113<10––
19981511$126,264$11,479
199310<10––
19921310$127,293$12,729
19911010$78,460$7,846
1985305283$3,921,323$13,856

From 2016 to 2026: 91 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 (1,390 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.