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Flood insurance cost · ZIP 70454 · LA

Flood insurance cost in ZIP 70454 (unincorporated Tangipahoa Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,434 home policies in force on August 31, 2026.

ZIP code 70454 (unincorporated Tangipahoa Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,122a year

Half of insured homes paid between $996 and $1,267. That is about the same as the Tangipahoa Parish median ($1,127). Most insured homes here are rated in zone X (78%).

$0$996 · $1,122 · $1,267$1,584
+10.7% vs Aug 31, 2025 (median $1,014)
2,434home policies in force
$1,171average cost (mean)
22%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 70454

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		$1,148$907–$1,499$1,266190 (8%)+5.7%
Zone A
High risk		$1,261$998–$1,538$1,335335 (14%)+9.0%
Zone X
Moderate to low risk		$1,092$1,009–$1,265$1,1331,900 (78%)+11.1%

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 70454, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,347$1,129$1,174
2–4 unit building18$1,490$1,613
Manufactured (mobile) home57$912$1,003
Condo or apartment unit12$618$624
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		58$2,129$2,592

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

2,496NFIP policies in force, any building
2,496insured 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 70454

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 force2,7592,434−11.8%
Median annual cost$1,014$1,122+10.7%
Average annual cost$1,050$1,171+11.5%
All policies in force (any building)2,8222,496−11.6%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70454 have filed 1,520 flood claims. 1,317 received a payment, for a total of $72.8 million (an average of $55,246 per paid claim). The year with the most claims was 2016 (671 claims). Amounts are in dollars of the time, not adjusted for inflation.

020040060080019801983: 22 claims, 20 paid, $299,895 in total19901992: 19 claims, 14 paid, $127,098 in total1993: 11 claims1996: 11 claims1998: 13 claims, 10 paid, $109,352 in total20002001: 15 claims2002: 18 claims, 14 paid, $172,669 in total2003: 16 claims, 14 paid, $198,067 in total2004: 10 claims2005: 68 claims, 33 paid, $1,291,724 in total2008: 38 claims, 32 paid, $715,995 in total20102011: 17 claims, 16 paid, $320,614 in total2012: 157 claims, 137 paid, $6,507,231 in total20122016: 671 claims, 625 paid, $44,659,480 in total20162020: 37 claims, 36 paid, $1,373,767 in total20202021: 325 claims, 282 paid, $16,111,703 in total2021
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
2021325282$16,111,703$57,134
20203736$1,373,767$38,160
2016671625$44,659,480$71,455
2012157137$6,507,231$47,498
20111716$320,614$20,038
20083832$715,995$22,375
20056833$1,291,724$39,143
200410<10––
20031614$198,067$14,148
20021814$172,669$12,334
200115<10––
19981310$109,352$10,935
199611<10––
199311<10––
19921914$127,098$9,078
19832220$299,895$14,995

From 2016 to 2026: 1,033 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 Tangipahoa Parish (2,122 home policies) · Ponchatoula (311 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.