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Flood insurance cost · ZIP 70433 · LA

Flood insurance cost in ZIP 70433 (unincorporated St. Tammany Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 5,054 home policies in force on August 31, 2026.

ZIP code 70433 (unincorporated St. Tammany Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,100a year

Half of insured homes paid between $962 and $1,267. That is 11% less than the St. Tammany Parish median ($1,234). Most insured homes here are rated in zone X (72%).

$0$962 · $1,100 · $1,267$1,584
+7.3% vs Aug 31, 2025 (median $1,025)
5,054home policies in force
$1,211average cost (mean)
28%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 70433

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		$1,333$1,063–$1,883$1,5901,144 (23%)+9.8%
Zone A
High risk		$1,110$945–$1,303$1,173288 (6%)+8.6%
Zone X
Moderate to low risk		$1,084$938–$1,259$1,0943,622 (72%)+11.0%

Not shown (fewer than 10 home policies): VE, 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 70433, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home4,970$1,106$1,217
2–4 unit building36$1,184$1,248
Condo or apartment unit45$459$496
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.		79$1,460$1,668
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		447$2,180$2,511

Not shown (fewer than 10 policies): manufactured (mobile) home.

5,580NFIP policies in force, any building
5,620insured units (condo association policies count every unit)
91%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 70433

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 force5,5255,054−8.5%
Median annual cost$1,025$1,100+7.3%
Average annual cost$1,101$1,211+10.0%
All policies in force (any building)6,0825,580−8.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70433 have filed 2,651 flood claims. 1,801 received a payment, for a total of $54.2 million (an average of $30,105 per paid claim). The year with the most claims was 2005 (670 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 11 claims, 11 paid, $11,936 in total1980: 30 claims, 25 paid, $123,899 in total19801983: 104 claims, 94 paid, $1,989,078 in total1985: 11 claims1988: 18 claims, 12 paid, $46,835 in total19901992: 39 claims, 11 paid, $82,041 in total1993: 73 claims, 60 paid, $679,922 in total1995: 291 claims, 233 paid, $5,492,946 in total19951996: 38 claims, 31 paid, $267,371 in total1998: 78 claims, 66 paid, $370,300 in total20002001: 72 claims, 48 paid, $508,621 in total2002: 95 claims, 69 paid, $696,162 in total2003: 87 claims, 66 paid, $1,158,734 in total2005: 670 claims, 246 paid, $4,873,726 in total20052008: 71 claims, 49 paid, $595,378 in total20102012: 263 claims, 210 paid, $8,849,105 in total2016: 297 claims, 253 paid, $14,056,577 in total20162018: 10 claims2020: 34 claims, 28 paid, $1,305,639 in total20202021: 257 claims, 217 paid, $11,276,887 in total2024: 20 claims, 15 paid, $982,307 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 (21)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20242015$982,307$65,487
2021257217$11,276,887$51,967
20203428$1,305,639$46,630
201810<10––
2016297253$14,056,577$55,560
2012263210$8,849,105$42,139
20087149$595,378$12,151
2005670246$4,873,726$19,812
20038766$1,158,734$17,557
20029569$696,162$10,089
20017248$508,621$10,596
19987866$370,300$5,611
19963831$267,371$8,625
1995291233$5,492,946$23,575
19937360$679,922$11,332
19923911$82,041$7,458
19881812$46,835$3,903
198511<10––
198310494$1,989,078$21,160
19803025$123,899$4,956
19781111$11,936$1,085

From 2016 to 2026: 618 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 St. Tammany Parish (4,061 home policies) · Covington (990 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.