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Flood insurance cost · ZIP 70458 · LA

Flood insurance cost in ZIP 70458 (unincorporated St. Tammany Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 7,682 home policies in force on August 31, 2026.

ZIP code 70458 (unincorporated St. Tammany Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,661a year

Half of insured homes paid between $1,168 and $2,740. That is 35% more than the St. Tammany Parish median ($1,234). Most insured homes here are rated in zone AE (74%).

$0$1,168 · $1,661 · $2,740$3,425
+13.0% vs Aug 31, 2025 (median $1,470)
7,682home policies in force
$2,042average cost (mean)
78%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 70458

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 VE / V
High risk, coastal		$3,552$2,014–$5,148$3,74962 (1%)+14.7%
Zone AE
High risk		$2,197$1,420–$2,977$2,3215,722 (74%)+14.8%
Zone A
High risk		$1,061$898–$1,257$1,195227 (3%)+4.2%
Zone X
Moderate to low risk		$1,135$1,043–$1,260$1,1361,669 (22%)+10.6%

Not shown (fewer than 10 home policies): 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 70458, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home7,377$1,686$2,058
2–4 unit building170$1,847$2,217
Manufactured (mobile) home17$983$1,320
Condo or apartment unit118$814$873
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.		187$2,648$3,726
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		588$3,288$4,089
8,457NFIP policies in force, any building
9,097insured units (condo association policies count every unit)
81%of home policies also cover contents
$83,000median contents coverage, when bought

One year on: ZIP code 70458

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 force8,0387,682−4.4%
Median annual cost$1,470$1,661+13.0%
Average annual cost$1,836$2,042+11.2%
All policies in force (any building)8,8368,457−4.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70458 have filed 13,746 flood claims. 11,395 received a payment, for a total of $852.0 million (an average of $74,771 per paid claim). The year with the most claims was 2005 (7,366 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1979: 42 claims, 36 paid, $131,376 in total1980: 105 claims, 78 paid, $345,733 in total19801981: 19 claims, 15 paid, $14,571 in total1983: 137 claims, 120 paid, $1,025,216 in total1985: 164 claims, 129 paid, $1,741,061 in total1988: 28 claims, 20 paid, $108,697 in total19901991: 46 claims, 32 paid, $158,493 in total1992: 56 claims, 34 paid, $150,232 in total1993: 63 claims, 45 paid, $213,718 in total1995: 1,602 claims, 1,474 paid, $30,772,135 in total19951996: 72 claims, 50 paid, $251,007 in total1997: 24 claims, 16 paid, $68,922 in total1998: 282 claims, 214 paid, $3,160,306 in total2000: 13 claims20002001: 908 claims, 809 paid, $15,661,433 in total20012002: 666 claims, 544 paid, $15,368,938 in total2003: 54 claims, 35 paid, $326,019 in total2004: 74 claims, 59 paid, $830,084 in total2005: 7,366 claims, 6,245 paid, $734,262,268 in total20052008: 206 claims, 130 paid, $2,961,066 in total2009: 19 claims, 15 paid, $121,041 in total20102011: 50 claims, 36 paid, $871,409 in total2012: 848 claims, 667 paid, $24,949,629 in total2014: 20 claims, 13 paid, $150,815 in total2015: 17 claims, 10 paid, $169,070 in total2016: 18 claims2017: 22 claims, 14 paid, $90,279 in total2019: 21 claims, 12 paid, $116,189 in total2020: 49 claims, 21 paid, $295,947 in total20202021: 560 claims, 394 paid, $15,680,555 in total2024: 66 claims, 40 paid, $922,492 in total2026: 39 claims, 33 paid, $787,215 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 (32)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20263933$787,215$23,855
20246640$922,492$23,062
2021560394$15,680,555$39,798
20204921$295,947$14,093
20192112$116,189$9,682
20172214$90,279$6,448
201618<10––
20151710$169,070$16,907
20142013$150,815$11,601
2012848667$24,949,629$37,406
20115036$871,409$24,206
20091915$121,041$8,069
2008206130$2,961,066$22,777
20057,3666,245$734,262,268$117,576
20047459$830,084$14,069
20035435$326,019$9,315
2002666544$15,368,938$28,252
2001908809$15,661,433$19,359
200013<10––
1998282214$3,160,306$14,768
19972416$68,922$4,308
19967250$251,007$5,020
19951,6021,474$30,772,135$20,877
19936345$213,718$4,749
19925634$150,232$4,419
19914632$158,493$4,953
19882820$108,697$5,435
1985164129$1,741,061$13,497
1983137120$1,025,216$8,543
19811915$14,571$971
198010578$345,733$4,432
19794236$131,376$3,649

From 2016 to 2026: 775 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 (3,867 home policies) · Slidell (3,808 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.