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Flood insurance cost · ZIP 70460 · LA

Flood insurance cost in ZIP 70460 (unincorporated St. Tammany Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,890 home policies in force on August 31, 2026.

ZIP code 70460 (unincorporated St. Tammany Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,344a year

Half of insured homes paid between $1,088 and $2,060. That is 9% more than the St. Tammany Parish median ($1,234). Most insured homes here are rated in zone AE (64%).

$0$1,088 · $1,344 · $2,060$2,575
+16.3% vs Aug 31, 2025 (median $1,156)
2,890home policies in force
$1,686average cost (mean)
66%of insured homes in high-risk zones (A, V)
$222,000median 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 70460

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		$2,118$1,563–$2,874$2,35018 (1%)−0.7%
Zone AE
High risk		$1,764$1,265–$2,400$1,9471,850 (64%)+10.4%
Zone A
High risk		$1,562$1,258–$2,590$2,14635 (1%)+9.2%
Zone X
Moderate to low risk		$1,165$1,054–$1,267$1,168987 (34%)+14.2%

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 70460, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,708$1,348$1,706
2–4 unit building76$1,730$2,003
Manufactured (mobile) home39$1,357$1,339
Condo or apartment unit67$692$723
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.		48$2,604$2,695
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		138$3,270$3,840
3,076NFIP policies in force, any building
3,178insured units (condo association policies count every unit)
81%of home policies also cover contents
$70,000median contents coverage, when bought

One year on: ZIP code 70460

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 force3,0902,890−6.5%
Median annual cost$1,156$1,344+16.3%
Average annual cost$1,504$1,686+12.1%
All policies in force (any building)3,2813,076−6.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70460 have filed 5,706 flood claims. 4,695 received a payment, for a total of $242.0 million (an average of $51,543 per paid claim). The year with the most claims was 2005 (2,704 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1979: 40 claims, 34 paid, $255,151 in total1980: 44 claims, 34 paid, $267,975 in total19801983: 41 claims, 31 paid, $255,277 in total1985: 101 claims, 80 paid, $1,321,982 in total1988: 13 claims19901991: 17 claims, 15 paid, $132,023 in total1992: 25 claims, 20 paid, $209,186 in total1995: 510 claims, 460 paid, $9,176,173 in total19951996: 38 claims, 30 paid, $289,202 in total1998: 181 claims, 148 paid, $1,834,236 in total2000: 12 claims, 12 paid, $88,455 in total20002001: 198 claims, 170 paid, $2,561,650 in total2002: 372 claims, 288 paid, $9,545,357 in total2003: 43 claims, 33 paid, $343,855 in total2004: 138 claims, 122 paid, $1,866,526 in total2005: 2,704 claims, 2,220 paid, $184,169,629 in total20052008: 122 claims, 87 paid, $1,697,199 in total2009: 11 claims20102011: 31 claims, 28 paid, $919,133 in total2012: 517 claims, 431 paid, $13,260,128 in total20122017: 11 claims2019: 13 claims, 12 paid, $249,762 in total2020: 23 claims, 16 paid, $328,674 in total20202021: 374 claims, 312 paid, $10,718,589 in total2024: 37 claims, 29 paid, $1,085,708 in total2026: 22 claims, 20 paid, $774,070 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 (26)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20262220$774,070$38,704
20243729$1,085,708$37,438
2021374312$10,718,589$34,354
20202316$328,674$20,542
20191312$249,762$20,814
201711<10––
2012517431$13,260,128$30,766
20113128$919,133$32,826
200911<10––
200812287$1,697,199$19,508
20052,7042,220$184,169,629$82,959
2004138122$1,866,526$15,299
20034333$343,855$10,420
2002372288$9,545,357$33,144
2001198170$2,561,650$15,069
20001212$88,455$7,371
1998181148$1,834,236$12,393
19963830$289,202$9,640
1995510460$9,176,173$19,948
19922520$209,186$10,459
19911715$132,023$8,802
198813<10––
198510180$1,321,982$16,525
19834131$255,277$8,235
19804434$267,975$7,882
19794034$255,151$7,504

From 2016 to 2026: 480 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 (2,239 home policies) · Slidell (649 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.