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Flood insurance cost · ZIP 70726 · LA

Flood insurance cost in ZIP 70726 (unincorporated Livingston Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 6,196 home policies in force on August 31, 2026.

ZIP code 70726 (unincorporated Livingston Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,185a year

Half of insured homes paid between $979 and $1,505. That is 4% less than the Livingston Parish median ($1,233). Most insured homes here are rated in zone AE (68%).

$0$979 · $1,185 · $1,505$1,881
+9.8% vs Aug 31, 2025 (median $1,079)
6,196home policies in force
$1,330average cost (mean)
69%of insured homes in high-risk zones (A, V)
$235,000median 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 70726

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		$1,256$922–$1,705$1,4134,219 (68%)+4.1%
Zone A
High risk		$1,448$1,092–$1,800$1,53574 (1%)+11.9%
Zone X
Moderate to low risk		$1,086$1,064–$1,259$1,1371,903 (31%)+16.5%

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 70726, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home5,756$1,193$1,347
2–4 unit building117$988$1,239
Manufactured (mobile) home299$957$1,082
Condo or apartment unit24$641$701
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.		62$3,248$3,563
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		530$2,417$2,724
6,788NFIP policies in force, any building
6,891insured units (condo association policies count every unit)
72%of home policies also cover contents
$80,000median contents coverage, when bought

One year on: ZIP code 70726

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 force6,7706,196−8.5%
Median annual cost$1,079$1,185+9.8%
Average annual cost$1,249$1,330+6.5%
All policies in force (any building)7,3796,788−8.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70726 have filed 6,851 flood claims. 6,213 received a payment, for a total of $505.4 million (an average of $81,343 per paid claim). The year with the most claims was 2016 (4,268 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1979: 87 claims, 72 paid, $246,940 in total1980: 51 claims, 46 paid, $165,115 in total19801983: 696 claims, 663 paid, $11,125,474 in total19831985: 11 claims1990: 386 claims, 357 paid, $5,868,129 in total199019901991: 57 claims, 49 paid, $344,990 in total1992: 69 claims, 54 paid, $401,763 in total1993: 211 claims, 195 paid, $1,915,226 in total1994: 65 claims, 57 paid, $459,934 in total1995: 92 claims, 79 paid, $616,732 in total1996: 17 claims1997: 38 claims, 27 paid, $219,662 in total1998: 34 claims, 28 paid, $200,118 in total20002001: 260 claims, 210 paid, $3,400,252 in total2002: 21 claims2003: 31 claims, 23 paid, $159,599 in total2004: 20 claims, 15 paid, $87,446 in total2005: 25 claims, 10 paid, $188,050 in total2007: 11 claims, 11 paid, $165,431 in total2008: 56 claims, 40 paid, $900,436 in total20102012: 84 claims, 52 paid, $1,194,586 in total2013: 17 claims2016: 4,268 claims, 4,031 paid, $472,128,791 in total20162017: 12 claims2019: 119 claims, 106 paid, $4,319,928 in total20202021: 18 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 (26)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202118<10––
2019119106$4,319,928$40,754
201712<10––
20164,2684,031$472,128,791$117,124
201317<10––
20128452$1,194,586$22,973
20085640$900,436$22,511
20071111$165,431$15,039
20052510$188,050$18,805
20042015$87,446$5,830
20033123$159,599$6,939
200221<10––
2001260210$3,400,252$16,192
19983428$200,118$7,147
19973827$219,662$8,136
199617<10––
19959279$616,732$7,807
19946557$459,934$8,069
1993211195$1,915,226$9,822
19926954$401,763$7,440
19915749$344,990$7,041
1990386357$5,868,129$16,437
198511<10––
1983696663$11,125,474$16,781
19805146$165,115$3,589
19798772$246,940$3,430

From 2016 to 2026: 4,417 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 (4,607 home policies) · Denham Springs (1,473 home policies) · Port Vincent (99 home policies) · Walker (15 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.