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Flood insurance cost · ZIP 70364 · LA

Flood insurance cost in ZIP 70364 (Terrebonne Parish Consolidated Government, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,892 home policies in force on August 31, 2026.

ZIP code 70364 (Terrebonne Parish Consolidated Government, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,366a year

Half of insured homes paid between $1,169 and $1,838. That is 2% less than the Terrebonne Parish median ($1,400). Most insured homes here are rated in zone AE (63%).

$0$1,169 · $1,366 · $1,838$2,298
+14.4% vs Aug 31, 2025 (median $1,194)
2,892home policies in force
$1,608average cost (mean)
72%of insured homes in high-risk zones (A, V)
$199,500median 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 70364

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		$1,405$1,192–$2,003$1,6821,835 (63%)+8.9%
Zone A
High risk		$1,877$1,297–$2,980$2,185193 (7%)+6.2%
Zone AH
High risk, shallow		$2,460$1,213–$3,204$2,30656 (2%)+16.4%
Zone X
Moderate to low risk		$1,260$1,116–$1,402$1,254806 (28%)+16.7%

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 70364, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,713$1,369$1,622
2–4 unit building60$1,236$1,498
Manufactured (mobile) home110$1,248$1,385
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.		36$1,660$2,348
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		138$4,097$4,898

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

3,066NFIP policies in force, any building
3,066insured units (condo association policies count every unit)
62%of home policies also cover contents
$80,000median contents coverage, when bought

One year on: ZIP code 70364

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 force3,0702,892−5.8%
Median annual cost$1,194$1,366+14.4%
Average annual cost$1,453$1,608+10.7%
All policies in force (any building)3,2453,066−5.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70364 have filed 1,151 flood claims. 844 received a payment, for a total of $19.2 million (an average of $22,717 per paid claim). The year with the most claims was 2009 (202 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001980: 19 claims, 12 paid, $64,956 in total19801985: 36 claims, 31 paid, $300,817 in total19901991: 132 claims, 118 paid, $1,726,597 in total19911992: 71 claims, 48 paid, $567,627 in total1995: 11 claims1998: 25 claims, 18 paid, $189,911 in total20002001: 26 claims, 22 paid, $194,424 in total2002: 93 claims, 81 paid, $1,151,621 in total2005: 58 claims, 21 paid, $740,143 in total2008: 89 claims, 43 paid, $1,206,282 in total2009: 202 claims, 188 paid, $4,982,913 in total200920102012: 109 claims, 96 paid, $2,031,976 in total20122019: 15 claims, 15 paid, $409,547 in total20202021: 95 claims, 26 paid, $1,050,455 in total2026: 67 claims, 63 paid, $3,485,056 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 (15)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20266763$3,485,056$55,318
20219526$1,050,455$40,402
20191515$409,547$27,303
201210996$2,031,976$21,166
2009202188$4,982,913$26,505
20088943$1,206,282$28,053
20055821$740,143$35,245
20029381$1,151,621$14,218
20012622$194,424$8,837
19982518$189,911$10,551
199511<10––
19927148$567,627$11,826
1991132118$1,726,597$14,632
19853631$300,817$9,704
19801912$64,956$5,413

From 2016 to 2026: 177 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 (2,398 home policies) · Unincorporated Lafourche Parish (323 home policies) · Houma, City Of-Use Cid 225206 (171 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.