Menu

Flood insurance cost · ZIP 70445 · LA

Flood insurance cost in ZIP 70445 (unincorporated St. Tammany Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,204 home policies in force on August 31, 2026.

ZIP code 70445 (unincorporated St. Tammany Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,234a year

Half of insured homes paid between $1,082 and $1,420. That is about the same as the St. Tammany Parish median ($1,234). The most common flood zone for insured homes here is zone X (49%).

$0$1,082 · $1,234 · $1,420$1,775
+14.7% vs Aug 31, 2025 (median $1,076)
1,204home policies in force
$1,383average cost (mean)
51%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 70445

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		$1,331$1,071–$1,872$1,616481 (40%)+12.9%
Zone A
High risk		$1,139$1,005–$1,383$1,239128 (11%)+8.0%
Zone X
Moderate to low risk		$1,233$1,084–$1,267$1,220590 (49%)+16.7%

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 70445, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,183$1,235$1,391
Manufactured (mobile) home20$796$877
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		32$3,338$3,919

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit, whole residential building (5+ units or condo association).

1,237NFIP policies in force, any building
1,237insured units (condo association policies count every unit)
87%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 70445

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 force1,3061,204−7.8%
Median annual cost$1,076$1,234+14.7%
Average annual cost$1,228$1,383+12.6%
All policies in force (any building)1,3401,237−7.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70445 have filed 1,907 flood claims. 1,496 received a payment, for a total of $44.3 million (an average of $29,642 per paid claim). The year with the most claims was 2005 (681 claims). Amounts are in dollars of the time, not adjusted for inflation.

020040060080019801985: 36 claims, 27 paid, $316,232 in total19901992: 16 claims, 14 paid, $93,697 in total1995: 180 claims, 155 paid, $3,186,814 in total1996: 15 claims, 10 paid, $51,873 in total1998: 33 claims, 27 paid, $270,245 in total20002001: 24 claims, 15 paid, $113,995 in total2002: 232 claims, 179 paid, $3,199,262 in total20022003: 19 claims, 11 paid, $67,017 in total2004: 35 claims, 31 paid, $363,963 in total2005: 681 claims, 510 paid, $24,177,388 in total20052007: 18 claims, 15 paid, $413,458 in total2008: 130 claims, 104 paid, $1,683,262 in total20102011: 12 claims2012: 205 claims, 180 paid, $5,266,836 in total20122020: 11 claims20202021: 160 claims, 130 paid, $3,508,093 in total2024: 24 claims, 21 paid, $642,364 in total2026: 11 claims, 11 paid, $245,456 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 (18)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20261111$245,456$22,314
20242421$642,364$30,589
2021160130$3,508,093$26,985
202011<10––
2012205180$5,266,836$29,260
201112<10––
2008130104$1,683,262$16,185
20071815$413,458$27,564
2005681510$24,177,388$47,407
20043531$363,963$11,741
20031911$67,017$6,092
2002232179$3,199,262$17,873
20012415$113,995$7,600
19983327$270,245$10,009
19961510$51,873$5,187
1995180155$3,186,814$20,560
19921614$93,697$6,693
19853627$316,232$11,712

From 2016 to 2026: 206 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 (1,204 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.