Menu

Flood insurance cost · ZIP 70360 · LA

Flood insurance cost in ZIP 70360 (Terrebonne Parish Consolidated Government, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,855 home policies in force on August 31, 2026.

ZIP code 70360 (Terrebonne Parish Consolidated Government, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,372a year

Half of insured homes paid between $1,202 and $1,408. That is 2% less than the Terrebonne Parish median ($1,400). Most insured homes here are rated in zone X (70%).

$0$1,202 · $1,372 · $1,408$1,760
+14.6% vs Aug 31, 2025 (median $1,197)
2,855home policies in force
$1,463average 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 70360

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		$1,408$1,205–$2,178$1,796793 (28%)+8.9%
Zone A
High risk		$1,456$1,378–$2,616$2,03811 (0%)+13.8%
Zone AH
High risk, shallow		$1,564$993–$1,920$1,55842 (1%)+17.8%
Zone X
Moderate to low risk		$1,370$1,202–$1,407$1,3262,008 (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 70360, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,800$1,372$1,459
2–4 unit building33$1,774$1,813
Manufactured (mobile) home15$1,341$1,473
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.		38$1,746$3,282
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		325$4,280$5,003

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

3,218NFIP policies in force, any building
3,218insured units (condo association policies count every unit)
81%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 70360

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 force3,1222,855−8.6%
Median annual cost$1,197$1,372+14.6%
Average annual cost$1,298$1,463+12.7%
All policies in force (any building)3,5173,218−8.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70360 have filed 998 flood claims. 713 received a payment, for a total of $13.2 million (an average of $18,485 per paid claim). The year with the most claims was 2009 (118 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001980: 14 claims, 11 paid, $78,816 in total19801985: 88 claims, 78 paid, $1,250,331 in total19901991: 90 claims, 79 paid, $1,202,421 in total1992: 100 claims, 80 paid, $1,204,995 in total19921995: 14 claims, 11 paid, $94,545 in total1998: 30 claims, 21 paid, $105,268 in total2000: 15 claims, 11 paid, $60,692 in total20002001: 21 claims, 17 paid, $151,960 in total2002: 94 claims, 79 paid, $1,187,317 in total20022005: 55 claims, 23 paid, $456,094 in total2008: 68 claims, 32 paid, $471,061 in total2009: 118 claims, 107 paid, $2,483,480 in total200920102012: 54 claims, 43 paid, $552,557 in total2019: 23 claims, 20 paid, $1,116,814 in total20202021: 93 claims, 17 paid, $495,297 in total2026: 23 claims, 19 paid, $1,137,875 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 (16)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20262319$1,137,875$59,888
20219317$495,297$29,135
20192320$1,116,814$55,841
20125443$552,557$12,850
2009118107$2,483,480$23,210
20086832$471,061$14,721
20055523$456,094$19,830
20029479$1,187,317$15,029
20012117$151,960$8,939
20001511$60,692$5,517
19983021$105,268$5,013
19951411$94,545$8,595
199210080$1,204,995$15,062
19919079$1,202,421$15,221
19858878$1,250,331$16,030
19801411$78,816$7,165

From 2016 to 2026: 139 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 (1,743 home policies) · Houma, City Of-Use Cid 225206 (1,111 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.