Flood insurance cost · ZIP 70471 · LA

Flood insurance cost in ZIP 70471 (unincorporated St. Tammany Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,540 home policies in force on August 31, 2026.

ZIP code 70471 (unincorporated St. Tammany Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,166a year

Half of insured homes paid between $1,012 and $1,267. That is 6% less than the St. Tammany Parish median ($1,234). Most insured homes here are rated in zone X (69%).

$0$1,012 · $1,166 · $1,267$1,584

+10.5% vs Aug 31, 2025 (median $1,055)

3,540home policies in force

$1,210average cost (mean)

31%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 70471

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$1,266	$1,036–$1,746	$1,459	1,002 (28%)	+13.4%
Zone A High risk	$916	$765–$1,050	$953	95 (3%)	+2.9%
Zone X Moderate to low risk	$1,097	$1,011–$1,266	$1,117	2,443 (69%)	+4.5%

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 70471, by what they insure.

Type of building	Policies	Median	Average
Single-family home	3,348	$1,192	$1,238
2–4 unit building	27	$1,164	$1,165
Condo or apartment unit	165	$596	$641
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.	133	$1,496	$1,805
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	215	$2,209	$2,578

Not shown (fewer than 10 policies): manufactured (mobile) home.

3,888NFIP policies in force, any building

4,016insured units (condo association policies count every unit)

95%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: ZIP code 70471

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, 2025	Aug 31, 2026	Change
Home policies in force	3,851	3,540	−8.1%
Median annual cost	$1,055	$1,166	+10.5%
Average annual cost	$1,077	$1,210	+12.3%
All policies in force (any building)	4,191	3,888	−7.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70471 have filed 1,628 flood claims. 915 received a payment, for a total of $18.2 million (an average of $19,850 per paid claim). The year with the most claims was 2005 (753 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (13)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2024	35	29	$1,201,940	$41,446
2021	205	171	$6,899,145	$40,346
2020	14	<10	–	–
2016	13	<10	–	–
2012	136	108	$1,754,101	$16,242
2008	96	67	$990,957	$14,790
2005	753	257	$3,357,593	$13,065
2003	36	26	$291,056	$11,194
2002	43	24	$147,375	$6,141
2001	31	25	$390,265	$15,611
1998	20	11	$47,968	$4,361
1996	20	16	$124,228	$7,764
1995	154	126	$2,198,197	$17,446

From 2016 to 2026: 267 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 (2,719 home policies) · Mandeville (821 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.