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Flood insurance cost · ZIP 70739 · LA

Flood insurance cost in ZIP 70739 (Central, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,853 home policies in force on August 31, 2026.

ZIP code 70739 (Central, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,116a year

Half of insured homes paid between $985 and $1,365. That is 75% more than the East Baton Rouge Parish median ($638). Most insured homes here are rated in zone AE (56%).

$0$985 · $1,116 · $1,365$1,706
+6.2% vs Aug 31, 2025 (median $1,051)
1,853home policies in force
$1,272average cost (mean)
57%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 70739

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		$1,264$953–$1,656$1,4061,031 (56%)+2.8%
Zone A
High risk		$960$777–$1,292$1,00926 (1%)+4.6%
Zone X
Moderate to low risk		$1,084$1,029–$1,234$1,107796 (43%)+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 70739, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,827$1,117$1,271
Manufactured (mobile) home13$918$924
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.		12$2,005$5,312
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		55$2,572$2,782

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit.

1,920NFIP policies in force, any building
1,920insured units (condo association policies count every unit)
80%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 70739

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 force2,0261,853−8.5%
Median annual cost$1,051$1,116+6.2%
Average annual cost$1,205$1,272+5.6%
All policies in force (any building)2,0971,920−8.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70739 have filed 1,577 flood claims. 1,419 received a payment, for a total of $130.3 million (an average of $91,854 per paid claim). The year with the most claims was 2016 (1,288 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 20 claims, 18 paid, $141,385 in total1980: 18 claims, 14 paid, $64,019 in total19801983: 64 claims, 62 paid, $1,220,891 in total19831990: 33 claims, 30 paid, $586,322 in total19901993: 27 claims, 24 paid, $263,374 in total1995: 14 claims, 11 paid, $66,321 in total2000: 10 claims20002001: 34 claims, 28 paid, $676,063 in total20012008: 11 claims20102016: 1,288 claims, 1,180 paid, $126,768,503 in total20162020
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 (10)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20161,2881,180$126,768,503$107,431
200811<10––
20013428$676,063$24,145
200010<10––
19951411$66,321$6,029
19932724$263,374$10,974
19903330$586,322$19,544
19836462$1,220,891$19,692
19801814$64,019$4,573
19792018$141,385$7,855

From 2016 to 2026: 1,288 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

Central (1,725 home policies) · East Baton Rouge Parish (127 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.