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Flood insurance cost · ZIP 70380 · LA

Flood insurance cost in ZIP 70380 (Morgan City, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,379 home policies in force on August 31, 2026.

ZIP code 70380 (Morgan City, 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 $1,142 and $2,334. That is 4% more than the St. Mary Parish median ($1,324). Most insured homes here are rated in zone AE (66%).

$0$1,142 · $1,372 · $2,334$2,918
+19.5% vs Aug 31, 2025 (median $1,148)
1,379home policies in force
$1,824average cost (mean)
66%of insured homes in high-risk zones (A, V)
$196,000median 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 70380

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		$1,948$1,322–$2,738$2,150907 (66%)+13.7%
Zone X
Moderate to low risk		$1,228$1,079–$1,300$1,191467 (34%)+18.0%

Not shown (fewer than 10 home policies): VE, A, AO, AH, 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 70380, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,222$1,369$1,859
2–4 unit building102$1,558$1,737
Manufactured (mobile) home55$970$1,220
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.		12$2,400$3,174
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		208$4,868$6,051

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

1,599NFIP policies in force, any building
1,599insured units (condo association policies count every unit)
69%of home policies also cover contents
$63,000median contents coverage, when bought

One year on: ZIP code 70380

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 force1,4961,379−7.8%
Median annual cost$1,148$1,372+19.5%
Average annual cost$1,587$1,824+14.9%
All policies in force (any building)1,7581,599−9.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70380 have filed 1,224 flood claims. 893 received a payment, for a total of $9,560,134 (an average of $10,706 per paid claim). The year with the most claims was 1991 (145 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001979: 66 claims, 54 paid, $143,904 in total1980: 73 claims, 53 paid, $116,892 in total19801982: 12 claims, 11 paid, $25,190 in total1983: 39 claims, 27 paid, $168,653 in total1984: 29 claims, 13 paid, $38,140 in total1985: 14 claims1988: 36 claims, 22 paid, $36,397 in total1989: 14 claims19901991: 145 claims, 123 paid, $948,767 in total19911992: 70 claims, 41 paid, $310,732 in total1994: 11 claims, 10 paid, $16,312 in total1995: 40 claims, 31 paid, $332,136 in total1996: 17 claims, 15 paid, $65,950 in total1997: 102 claims, 88 paid, $240,661 in total199720002001: 53 claims, 43 paid, $198,340 in total2002: 20 claims2005: 33 claims, 11 paid, $261,565 in total2008: 52 claims, 18 paid, $116,151 in total20102011: 135 claims, 115 paid, $559,450 in total20112013: 15 claims, 11 paid, $86,540 in total2017: 12 claims, 11 paid, $150,405 in total2019: 55 claims, 46 paid, $703,090 in total20202024: 91 claims, 74 paid, $4,666,615 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 (23)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20249174$4,666,615$63,062
20195546$703,090$15,285
20171211$150,405$13,673
20131511$86,540$7,867
2011135115$559,450$4,865
20085218$116,151$6,453
20053311$261,565$23,779
200220<10––
20015343$198,340$4,613
199710288$240,661$2,735
19961715$65,950$4,397
19954031$332,136$10,714
19941110$16,312$1,631
19927041$310,732$7,579
1991145123$948,767$7,714
198914<10––
19883622$36,397$1,654
198514<10––
19842913$38,140$2,934
19833927$168,653$6,246
19821211$25,190$2,290
19807353$116,892$2,206
19796654$143,904$2,665

From 2016 to 2026: 158 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

Morgan City (868 home policies) · Unincorporated St. Martin Parish (209 home policies) · Unincorporated St. Mary Parish (167 home policies) · Unincorporated Assumption Parish (135 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.