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Flood insurance cost · ZIP 70737 · LA

Flood insurance cost in ZIP 70737 (unincorporated Ascension Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,976 home policies in force on August 31, 2026.

ZIP code 70737 (unincorporated Ascension Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,198a year

Half of insured homes paid between $934 and $1,359. That is 35% more than the Ascension Parish median ($888). Most insured homes here are rated in zone X (53%).

$0$934 · $1,198 · $1,359$1,699
+13.4% vs Aug 31, 2025 (median $1,056)
3,976home policies in force
$1,194average cost (mean)
47%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 70737

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		$1,292$1,028–$1,602$1,3421,688 (42%)+7.8%
Zone A
High risk		$1,301$1,024–$1,569$1,324188 (5%)+8.4%
Zone X
Moderate to low risk		$1,084$826–$1,265$1,0642,100 (53%)+16.4%

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 70737, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,773$1,221$1,207
2–4 unit building30$1,456$1,360
Manufactured (mobile) home163$839$894
Condo or apartment unit10$650$635
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.		52$1,625$1,615
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		351$2,471$2,746
4,379NFIP policies in force, any building
4,391insured units (condo association policies count every unit)
77%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 70737

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 force4,2903,976−7.3%
Median annual cost$1,056$1,198+13.4%
Average annual cost$1,086$1,194+9.9%
All policies in force (any building)4,7244,379−7.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70737 have filed 1,899 flood claims. 1,590 received a payment, for a total of $72.0 million (an average of $45,277 per paid claim). The year with the most claims was 2016 (891 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k1979: 73 claims, 71 paid, $562,205 in total1980: 41 claims, 34 paid, $48,492 in total19801983: 118 claims, 101 paid, $979,987 in total19831984: 14 claims, 13 paid, $104,368 in total1988: 21 claims, 20 paid, $108,307 in total19901991: 20 claims, 16 paid, $103,880 in total1992: 31 claims, 26 paid, $142,561 in total1993: 13 claims, 11 paid, $136,797 in total1995: 11 claims1998: 35 claims, 30 paid, $348,154 in total20002001: 93 claims, 70 paid, $668,938 in total2002: 12 claims2005: 60 claims, 43 paid, $1,162,931 in total2006: 12 claims2008: 14 claims2009: 11 claims, 11 paid, $203,490 in total20102012: 93 claims, 72 paid, $1,892,376 in total2013: 17 claims, 15 paid, $250,214 in total2014: 103 claims, 83 paid, $2,800,993 in total20142016: 891 claims, 783 paid, $57,199,185 in total20162020: 45 claims, 38 paid, $1,470,872 in total20202021: 90 claims, 71 paid, $2,761,551 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 (22)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20219071$2,761,551$38,895
20204538$1,470,872$38,707
2016891783$57,199,185$73,051
201410383$2,800,993$33,747
20131715$250,214$16,681
20129372$1,892,376$26,283
20091111$203,490$18,499
200814<10––
200612<10––
20056043$1,162,931$27,045
200212<10––
20019370$668,938$9,556
19983530$348,154$11,605
199511<10––
19931311$136,797$12,436
19923126$142,561$5,483
19912016$103,880$6,492
19882120$108,307$5,415
19841413$104,368$8,028
1983118101$979,987$9,703
19804134$48,492$1,426
19797371$562,205$7,918

From 2016 to 2026: 1,026 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 Ascension Parish (3,154 home policies) · Gonzales (819 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.