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Flood insurance cost · ZIP 70560 · LA

Flood insurance cost in ZIP 70560 (unincorporated Iberia Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,679 home policies in force on August 31, 2026.

ZIP code 70560 (unincorporated Iberia Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,438a year

Half of insured homes paid between $1,106 and $1,993. That is 13% more than the Iberia Parish median ($1,267). Most insured homes here are rated in zone AE (58%).

$0$1,106 · $1,438 · $1,993$2,491
+17.4% vs Aug 31, 2025 (median $1,225)
1,679home policies in force
$1,782average cost (mean)
71%of insured homes in high-risk zones (A, V)
$189,000median 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 70560

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		$1,908$1,344–$2,923$2,35989 (5%)+13.8%
Zone AE
High risk		$1,686$1,287–$2,502$2,058970 (58%)+14.9%
Zone A
High risk		$1,509$1,256–$1,866$1,642135 (8%)+11.8%
Zone X
Moderate to low risk		$1,128$1,043–$1,266$1,165485 (29%)+15.1%

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 70560, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,478$1,427$1,811
2–4 unit building55$1,991$2,151
Manufactured (mobile) home145$1,133$1,350
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.		32$1,366$1,553
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		226$4,086$5,198

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

1,937NFIP policies in force, any building
1,937insured units (condo association policies count every unit)
74%of home policies also cover contents
$60,000median contents coverage, when bought

One year on: ZIP code 70560

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 force1,8221,679−7.8%
Median annual cost$1,225$1,438+17.4%
Average annual cost$1,556$1,782+14.5%
All policies in force (any building)2,0831,937−7.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70560 have filed 2,108 flood claims. 1,803 received a payment, for a total of $66.9 million (an average of $37,111 per paid claim). The year with the most claims was 2005 (614 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 45 claims, 41 paid, $116,119 in total1979: 24 claims, 22 paid, $37,532 in total1980: 18 claims, 15 paid, $27,619 in total19801984: 144 claims, 131 paid, $1,506,544 in total1985: 13 claims1986: 28 claims, 21 paid, $46,744 in total19901992: 12 claims1997: 30 claims, 28 paid, $300,138 in total20002001: 26 claims, 21 paid, $250,141 in total2002: 50 claims, 38 paid, $537,014 in total2005: 614 claims, 550 paid, $26,295,827 in total20052008: 528 claims, 454 paid, $16,976,078 in total20082009: 14 claims, 14 paid, $326,858 in total20102014: 10 claims2015: 27 claims, 22 paid, $1,028,365 in total2016: 320 claims, 274 paid, $15,157,437 in total20162017: 12 claims, 10 paid, $157,315 in total2019: 24 claims, 15 paid, $268,043 in total2020: 65 claims, 46 paid, $2,040,861 in total20202021: 17 claims, 14 paid, $655,760 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 (20)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20211714$655,760$46,840
20206546$2,040,861$44,367
20192415$268,043$17,870
20171210$157,315$15,732
2016320274$15,157,437$55,319
20152722$1,028,365$46,744
201410<10––
20091414$326,858$23,347
2008528454$16,976,078$37,392
2005614550$26,295,827$47,811
20025038$537,014$14,132
20012621$250,141$11,911
19973028$300,138$10,719
199212<10––
19862821$46,744$2,226
198513<10––
1984144131$1,506,544$11,500
19801815$27,619$1,841
19792422$37,532$1,706
19784541$116,119$2,832

From 2016 to 2026: 438 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 Iberia Parish (1,230 home policies) · New Iberia (429 home policies) · Unincorporated Vermilion Parish (19 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.