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Flood insurance cost · ZIP 70462 · LA

Flood insurance cost in ZIP 70462 (unincorporated Livingston Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 648 home policies in force on August 31, 2026.

ZIP code 70462 (unincorporated Livingston Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,269a year

Half of insured homes paid between $1,080 and $1,788. That is 3% more than the Livingston Parish median ($1,233). Most insured homes here are rated in zone AE (54%).

$0$1,080 · $1,269 · $1,788$2,235
+15.6% vs Aug 31, 2025 (median $1,098)
648home policies in force
$1,565average cost (mean)
69%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 70462

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		$1,533$1,072–$2,086$1,757350 (54%)+12.0%
Zone A
High risk		$1,469$1,098–$1,810$1,57495 (15%)+12.7%
Zone X
Moderate to low risk		$1,185$1,082–$1,267$1,230203 (31%)+12.2%

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 70462, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home620$1,270$1,581
Manufactured (mobile) home18$1,004$1,110
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		41$3,590$3,291

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

692NFIP policies in force, any building
692insured units (condo association policies count every unit)
70%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 70462

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 force695648−6.8%
Median annual cost$1,098$1,269+15.6%
Average annual cost$1,405$1,565+11.4%
All policies in force (any building)738692−6.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70462 have filed 1,944 flood claims. 1,670 received a payment, for a total of $54.3 million (an average of $32,503 per paid claim). The year with the most claims was 2016 (388 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 16 claims, 15 paid, $93,715 in total19801983: 51 claims, 48 paid, $716,168 in total1985: 63 claims, 56 paid, $685,896 in total19901991: 51 claims, 45 paid, $287,875 in total1992: 36 claims, 24 paid, $133,391 in total1993: 53 claims, 49 paid, $399,101 in total1995: 14 claims, 10 paid, $92,086 in total1996: 26 claims, 22 paid, $221,641 in total1998: 112 claims, 96 paid, $1,406,066 in total20002001: 52 claims, 42 paid, $372,612 in total2002: 125 claims, 95 paid, $1,467,766 in total2004: 82 claims, 77 paid, $1,174,485 in total2005: 159 claims, 132 paid, $3,531,189 in total2008: 175 claims, 146 paid, $3,908,257 in total200820102011: 80 claims, 70 paid, $1,459,756 in total2012: 255 claims, 220 paid, $8,818,162 in total20122015: 11 claims2016: 388 claims, 362 paid, $25,460,113 in total201620202021: 139 claims, 112 paid, $3,209,369 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 (19)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2021139112$3,209,369$28,655
2016388362$25,460,113$70,332
201511<10––
2012255220$8,818,162$40,083
20118070$1,459,756$20,854
2008175146$3,908,257$26,769
2005159132$3,531,189$26,751
20048277$1,174,485$15,253
200212595$1,467,766$15,450
20015242$372,612$8,872
199811296$1,406,066$14,647
19962622$221,641$10,075
19951410$92,086$9,209
19935349$399,101$8,145
19923624$133,391$5,558
19915145$287,875$6,397
19856356$685,896$12,248
19835148$716,168$14,920
19791615$93,715$6,248

From 2016 to 2026: 527 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 (427 home policies) · Killian (195 home policies) · Springfield (18 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.