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Flood insurance cost · ZIP 70461 · LA

Flood insurance cost in ZIP 70461 (unincorporated St. Tammany Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 4,999 home policies in force on August 31, 2026.

ZIP code 70461 (unincorporated St. Tammany Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,263a year

Half of insured homes paid between $1,084 and $1,311. That is 2% more than the St. Tammany Parish median ($1,234). Most insured homes here are rated in zone X (64%).

$0$1,084 · $1,263 · $1,311$1,639
+16.7% vs Aug 31, 2025 (median $1,082)
4,999home policies in force
$1,415average cost (mean)
36%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 70461

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		$2,796$1,538–$4,807$3,369124 (2%)+13.2%
Zone AE
High risk		$1,359$1,103–$1,870$1,6231,629 (33%)+14.3%
Zone A
High risk		$1,770$1,228–$3,967$2,44710 (0%)–
Zone AH
High risk, shallow		$1,240$1,184–$1,291$1,68518 (0%)+20.4%
Zone X
Moderate to low risk		$1,234$1,084–$1,267$1,2303,218 (64%)+16.4%

Not shown (fewer than 10 home policies): AO, 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 70461, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home4,817$1,264$1,433
2–4 unit building41$1,308$1,321
Manufactured (mobile) home31$898$1,013
Condo or apartment unit110$812$796
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.		81$1,656$2,192
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		211$3,599$4,288
5,291NFIP policies in force, any building
5,360insured 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 70461

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 force5,3444,999−6.5%
Median annual cost$1,082$1,263+16.7%
Average annual cost$1,241$1,415+14.0%
All policies in force (any building)5,6435,291−6.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70461 have filed 6,356 flood claims. 5,068 received a payment, for a total of $415.1 million (an average of $81,898 per paid claim). The year with the most claims was 2005 (3,804 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1979: 37 claims, 32 paid, $192,839 in total1980: 158 claims, 127 paid, $1,112,268 in total19801983: 266 claims, 243 paid, $3,573,600 in total1985: 40 claims, 26 paid, $276,116 in total1988: 17 claims1990: 18 claims, 16 paid, $42,238 in total19901991: 42 claims, 36 paid, $235,483 in total1992: 16 claims1993: 21 claims, 18 paid, $154,954 in total1995: 322 claims, 275 paid, $5,538,068 in total1996: 27 claims, 16 paid, $63,008 in total1998: 84 claims, 63 paid, $839,238 in total20002001: 270 claims, 244 paid, $4,269,580 in total2002: 136 claims, 99 paid, $1,992,362 in total2003: 17 claims, 10 paid, $66,544 in total2004: 17 claims, 10 paid, $117,023 in total2005: 3,804 claims, 3,117 paid, $373,852,539 in total20052008: 110 claims, 54 paid, $877,783 in total2009: 12 claims20102011: 10 claims2012: 339 claims, 233 paid, $6,470,152 in total20122016: 57 claims, 45 paid, $1,114,264 in total2017: 12 claims, 10 paid, $116,745 in total2020: 16 claims20202021: 389 claims, 293 paid, $13,023,037 in total20212024: 27 claims, 19 paid, $427,859 in total2026: 11 claims
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 (27)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202611<10––
20242719$427,859$22,519
2021389293$13,023,037$44,447
202016<10––
20171210$116,745$11,674
20165745$1,114,264$24,761
2012339233$6,470,152$27,769
201110<10––
200912<10––
200811054$877,783$16,255
20053,8043,117$373,852,539$119,940
20041710$117,023$11,702
20031710$66,544$6,654
200213699$1,992,362$20,125
2001270244$4,269,580$17,498
19988463$839,238$13,321
19962716$63,008$3,938
1995322275$5,538,068$20,138
19932118$154,954$8,609
199216<10––
19914236$235,483$6,541
19901816$42,238$2,640
198817<10––
19854026$276,116$10,620
1983266243$3,573,600$14,706
1980158127$1,112,268$8,758
19793732$192,839$6,026

From 2016 to 2026: 512 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 (4,818 home policies) · Slidell (179 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.