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Flood insurance cost · ZIP 70769 · LA

Flood insurance cost in ZIP 70769 (unincorporated Ascension Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 5,304 home policies in force on August 31, 2026.

ZIP code 70769 (unincorporated Ascension Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$577a year

Half of insured homes paid between $487 and $716. That is 35% less than the Ascension Parish median ($888). Most insured homes here are rated in zone X (60%).

$0$487 · $577 · $716$895
+2.5% vs Aug 31, 2025 (median $563)
5,304home policies in force
$665average cost (mean)
40%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 70769

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		$674$524–$998$8211,676 (32%)+2.7%
Zone A
High risk		$641$512–$802$698420 (8%)+0.6%
Zone X
Moderate to low risk		$548$476–$637$5793,208 (60%)+2.4%

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 70769, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home5,088$577$667
Manufactured (mobile) home175$578$640
Condo or apartment unit32$344$401
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.		16$1,170$1,148
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		181$873$1,188

Not shown (fewer than 10 policies): 2–4 unit building.

5,501NFIP policies in force, any building
5,501insured units (condo association policies count every unit)
85%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 70769

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 force5,6295,304−5.8%
Median annual cost$563$577+2.5%
Average annual cost$643$665+3.4%
All policies in force (any building)5,8205,501−5.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70769 have filed 2,600 flood claims. 2,210 received a payment, for a total of $124.5 million (an average of $56,316 per paid claim). The year with the most claims was 2016 (1,334 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 90 claims, 84 paid, $504,932 in total1980: 97 claims, 85 paid, $406,509 in total19801983: 151 claims, 143 paid, $2,178,599 in total19831988: 15 claims1990: 70 claims, 60 paid, $696,002 in total19901991: 22 claims, 18 paid, $165,989 in total1992: 21 claims, 13 paid, $62,812 in total1993: 73 claims, 70 paid, $908,415 in total1994: 24 claims, 20 paid, $146,893 in total1995: 37 claims, 34 paid, $270,506 in total1997: 32 claims, 29 paid, $335,869 in total1998: 36 claims, 28 paid, $190,035 in total20002001: 197 claims, 148 paid, $2,926,520 in total20012003: 14 claims2005: 80 claims, 49 paid, $1,596,782 in total2008: 33 claims, 15 paid, $131,674 in total20102012: 51 claims, 40 paid, $825,236 in total2016: 1,334 claims, 1,192 paid, $104,696,289 in total20162019: 15 claims, 12 paid, $798,199 in total20202021: 124 claims, 101 paid, $6,721,939 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
2021124101$6,721,939$66,554
20191512$798,199$66,517
20161,3341,192$104,696,289$87,832
20125140$825,236$20,631
20083315$131,674$8,778
20058049$1,596,782$32,587
200314<10––
2001197148$2,926,520$19,774
19983628$190,035$6,787
19973229$335,869$11,582
19953734$270,506$7,956
19942420$146,893$7,345
19937370$908,415$12,977
19922113$62,812$4,832
19912218$165,989$9,222
19907060$696,002$11,600
198815<10––
1983151143$2,178,599$15,235
19809785$406,509$4,782
19799084$504,932$6,011

From 2016 to 2026: 1,473 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 (5,293 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.