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Flood insurance cost · ZIP 70449 · LA

Flood insurance cost in ZIP 70449 (unincorporated Livingston Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 620 home policies in force on August 31, 2026.

ZIP code 70449 (unincorporated Livingston Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,261a year

Half of insured homes paid between $972 and $1,571. That is 2% more than the Livingston Parish median ($1,233). Most insured homes here are rated in zone AE (86%).

$0$972 · $1,261 · $1,571$1,964
+13.2% vs Aug 31, 2025 (median $1,114)
620home policies in force
$1,343average cost (mean)
92%of insured homes in high-risk zones (A, V)
$233,000median 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 70449

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		$1,254$945–$1,585$1,319533 (86%)+12.4%
Zone A
High risk		$1,466$1,318–$1,661$1,71436 (6%)+16.3%
Zone X
Moderate to low risk		$1,243$1,082–$1,267$1,32951 (8%)+15.2%

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 70449, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home561$1,266$1,358
Manufactured (mobile) home53$1,115$1,249
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		36$5,128$4,840

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

656NFIP policies in force, any building
656insured units (condo association policies count every unit)
66%of home policies also cover contents
$53,000median contents coverage, when bought

One year on: ZIP code 70449

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 force653620−5.1%
Median annual cost$1,114$1,261+13.2%
Average annual cost$1,235$1,343+8.7%
All policies in force (any building)689656−4.8%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70449 have filed 1,467 flood claims. 1,255 received a payment, for a total of $28.2 million (an average of $22,451 per paid claim). The year with the most claims was 2016 (311 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 36 claims, 34 paid, $168,883 in total1980: 29 claims, 24 paid, $47,819 in total19801983: 63 claims, 60 paid, $490,133 in total1985: 68 claims, 60 paid, $508,127 in total19901991: 37 claims, 32 paid, $101,497 in total1993: 33 claims, 30 paid, $165,037 in total1998: 54 claims, 47 paid, $419,401 in total20002001: 130 claims, 114 paid, $1,446,112 in total20012002: 66 claims, 48 paid, $579,791 in total2004: 54 claims, 51 paid, $546,445 in total2005: 68 claims, 50 paid, $810,397 in total2008: 122 claims, 102 paid, $1,945,265 in total20102011: 31 claims, 26 paid, $568,633 in total2012: 233 claims, 204 paid, $6,673,941 in total20122016: 311 claims, 265 paid, $11,930,023 in total201620202021: 68 claims, 61 paid, $1,404,990 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 (16)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20216861$1,404,990$23,033
2016311265$11,930,023$45,019
2012233204$6,673,941$32,715
20113126$568,633$21,870
2008122102$1,945,265$19,071
20056850$810,397$16,208
20045451$546,445$10,715
20026648$579,791$12,079
2001130114$1,446,112$12,685
19985447$419,401$8,923
19933330$165,037$5,501
19913732$101,497$3,172
19856860$508,127$8,469
19836360$490,133$8,169
19802924$47,819$1,992
19793634$168,883$4,967

From 2016 to 2026: 379 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 Livingston Parish (590 home policies) · Unincorporated Ascension Parish (30 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.