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Flood insurance cost · ZIP 70374 · LA

Flood insurance cost in ZIP 70374 (unincorporated Lafourche Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 570 home policies in force on August 31, 2026.

ZIP code 70374 (unincorporated Lafourche Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,867a year

Half of insured homes paid between $1,232 and $2,930. That is 49% more than the Lafourche Parish median ($1,252). Most insured homes here are rated in zone AE (69%).

$0$1,232 · $1,867 · $2,930$3,662
+24.6% vs Aug 31, 2025 (median $1,498)
570home policies in force
$2,163average cost (mean)
72%of insured homes in high-risk zones (A, V)
$184,500median 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 70374

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		$2,408$1,734–$3,367$2,590395 (69%)+15.7%
Zone A99 / AR
High risk, levee areas		$1,156$1,053–$1,252$1,14810 (2%)+24.3%
Zone X
Moderate to low risk		$1,180$1,034–$1,263$1,169161 (28%)+16.6%

Not shown (fewer than 10 home policies): VE, A, AO, AH, 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 70374, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home501$1,870$2,179
2–4 unit building39$1,935$2,294
Manufactured (mobile) home30$1,834$1,715
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		27$3,635$4,724

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

601NFIP policies in force, any building
601insured units (condo association policies count every unit)
59%of home policies also cover contents
$50,000median contents coverage, when bought

One year on: ZIP code 70374

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 force632570−9.8%
Median annual cost$1,498$1,867+24.6%
Average annual cost$1,868$2,163+15.8%
All policies in force (any building)666601−9.8%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70374 have filed 475 flood claims. 307 received a payment, for a total of $4,644,014 (an average of $15,127 per paid claim). The year with the most claims was 1985 (58 claims). Amounts are in dollars of the time, not adjusted for inflation.

0204060801980: 18 claims, 13 paid, $56,940 in total19801985: 58 claims, 55 paid, $879,553 in total198519901998: 19 claims, 15 paid, $62,178 in total1999: 12 claims, 10 paid, $74,835 in total20002001: 49 claims, 42 paid, $596,840 in total2002: 37 claims, 28 paid, $308,467 in total2004: 12 claims, 12 paid, $196,326 in total2005: 52 claims, 20 paid, $394,384 in total20052008: 36 claims2009: 56 claims, 54 paid, $1,297,795 in total200920102020: 10 claims20202021: 49 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 (12)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202149<10––
202010<10––
20095654$1,297,795$24,033
200836<10––
20055220$394,384$19,719
20041212$196,326$16,360
20023728$308,467$11,017
20014942$596,840$14,210
19991210$74,835$7,484
19981915$62,178$4,145
19855855$879,553$15,992
19801813$56,940$4,380

From 2016 to 2026: 59 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 (414 home policies) · Lockport (156 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.