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Flood insurance cost · ZIP 70510 · LA

Flood insurance cost in ZIP 70510 (unincorporated Vermilion Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,605 home policies in force on August 31, 2026.

ZIP code 70510 (unincorporated Vermilion Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,348a year

Half of insured homes paid between $1,088 and $1,861. That is 6% more than the Vermilion Parish median ($1,270). Most insured homes here are rated in zone AE (56%).

$0$1,088 · $1,348 · $1,861$2,326
+20.9% vs Aug 31, 2025 (median $1,115)
1,605home policies in force
$1,675average cost (mean)
68%of insured homes in high-risk zones (A, V)
$200,000median 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 70510

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		$1,672$1,156–$2,728$2,072131 (8%)+15.4%
Zone AE
High risk		$1,620$1,246–$2,188$1,877906 (56%)+13.8%
Zone A
High risk		$1,513$1,158–$1,890$1,72461 (4%)+15.9%
Zone X
Moderate to low risk		$1,202$1,081–$1,264$1,208506 (32%)+19.1%

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 70510, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,493$1,353$1,703
2–4 unit building18$1,458$1,458
Manufactured (mobile) home93$1,035$1,288
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.		21$1,678$2,288
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		133$3,275$5,133

Not shown (fewer than 10 policies): condo or apartment unit.

1,759NFIP policies in force, any building
1,759insured units (condo association policies count every unit)
73%of home policies also cover contents
$80,000median contents coverage, when bought

One year on: ZIP code 70510

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 force1,7611,605−8.9%
Median annual cost$1,115$1,348+20.9%
Average annual cost$1,466$1,675+14.3%
All policies in force (any building)1,9181,759−8.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70510 have filed 1,815 flood claims. 1,553 received a payment, for a total of $75.6 million (an average of $48,672 per paid claim). The year with the most claims was 2005 (456 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 10 claims1980: 23 claims, 20 paid, $293,937 in total19801984: 47 claims, 44 paid, $619,822 in total1985: 26 claims, 24 paid, $300,855 in total19901991: 31 claims, 24 paid, $101,735 in total1995: 39 claims, 35 paid, $783,604 in total1997: 10 claims1998: 13 claims1999: 26 claims, 25 paid, $337,359 in total20002001: 43 claims, 37 paid, $838,751 in total2002: 47 claims, 36 paid, $595,762 in total2005: 456 claims, 399 paid, $21,749,072 in total20052006: 20 claims, 20 paid, $353,367 in total2008: 407 claims, 348 paid, $17,169,950 in total20082010: 10 claims20102013: 10 claims2015: 12 claims2016: 451 claims, 404 paid, $30,302,561 in total20162020: 54 claims, 33 paid, $845,073 in total2020
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
20205433$845,073$25,608
2016451404$30,302,561$75,006
201512<10––
201310<10––
201010<10––
2008407348$17,169,950$49,339
20062020$353,367$17,668
2005456399$21,749,072$54,509
20024736$595,762$16,549
20014337$838,751$22,669
19992625$337,359$13,494
199813<10––
199710<10––
19953935$783,604$22,389
19913124$101,735$4,239
19852624$300,855$12,536
19844744$619,822$14,087
19802320$293,937$14,697
197810<10––

From 2016 to 2026: 505 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 Vermilion Parish (1,200 home policies) · Abbeville (405 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.