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Flood insurance cost · ZIP 70358 · LA

Flood insurance cost in ZIP 70358 (Grand Isle, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 444 home policies in force on August 31, 2026.

ZIP code 70358 (Grand Isle, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,661a year

Half of insured homes paid between $1,188 and $2,506. That is 36% more than the Jefferson Parish median ($1,220). Most insured homes here are rated in zone VE / V (91%).

$0$1,188 · $1,661 · $2,506$3,132
+8.8% vs Aug 31, 2025 (median $1,527)
444home policies in force
$2,060average cost (mean)
100%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 70358

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 VE / V
High risk, coastal		$1,676$1,206–$2,513$2,094405 (91%)+8.0%
Zone AE
High risk		$1,390$1,126–$1,914$1,71239 (9%)+20.5%

Not shown (fewer than 10 home policies): 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 70358, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home420$1,677$2,081
Manufactured (mobile) home11$1,138$1,495
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.		15$3,187$2,937
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		52$3,772$4,636

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit.

511NFIP policies in force, any building
555insured units (condo association policies count every unit)
54%of home policies also cover contents
$27,000median contents coverage, when bought

One year on: ZIP code 70358

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 force479444−7.3%
Median annual cost$1,527$1,661+8.8%
Average annual cost$1,873$2,060+10.0%
All policies in force (any building)548511−6.8%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70358 have filed 4,294 flood claims. 3,513 received a payment, for a total of $74.0 million (an average of $21,065 per paid claim). The year with the most claims was 2005 (1,123 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 103 claims, 77 paid, $245,674 in total1980: 11 claims19801983: 54 claims, 43 paid, $180,732 in total1984: 12 claims, 11 paid, $34,406 in total1985: 482 claims, 344 paid, $2,676,490 in total198519901991: 28 claims, 21 paid, $136,103 in total1992: 173 claims, 127 paid, $706,249 in total1993: 39 claims, 32 paid, $223,814 in total1995: 24 claims, 18 paid, $79,144 in total1996: 32 claims, 23 paid, $156,239 in total1997: 303 claims, 259 paid, $2,353,527 in total1998: 36 claims, 33 paid, $314,668 in total1999: 14 claims, 11 paid, $157,973 in total20002002: 308 claims, 242 paid, $2,804,053 in total2003: 14 claims, 10 paid, $61,190 in total2004: 65 claims, 61 paid, $948,712 in total2005: 1,123 claims, 1,055 paid, $38,978,648 in total20052008: 619 claims, 504 paid, $7,508,029 in total200820102011: 10 claims2012: 254 claims, 159 paid, $2,107,315 in total2018: 12 claims2019: 14 claims2020: 56 claims, 48 paid, $763,291 in total20202021: 465 claims, 379 paid, $12,805,857 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 (24)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2021465379$12,805,857$33,789
20205648$763,291$15,902
201914<10––
201812<10––
2012254159$2,107,315$13,254
201110<10––
2008619504$7,508,029$14,897
20051,1231,055$38,978,648$36,947
20046561$948,712$15,553
20031410$61,190$6,119
2002308242$2,804,053$11,587
19991411$157,973$14,361
19983633$314,668$9,535
1997303259$2,353,527$9,087
19963223$156,239$6,793
19952418$79,144$4,397
19933932$223,814$6,994
1992173127$706,249$5,561
19912821$136,103$6,481
1985482344$2,676,490$7,780
19841211$34,406$3,128
19835443$180,732$4,203
198011<10––
197910377$245,674$3,191

From 2016 to 2026: 547 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

Grand Isle (431 home policies) · Unincorporated Jefferson Parish (13 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.