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Flood insurance cost · ZIP 70791 · LA

Flood insurance cost in ZIP 70791 (Zachary, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,528 home policies in force on August 31, 2026.

ZIP code 70791 (Zachary, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,082a year

Half of insured homes paid between $828 and $1,278. That is 70% more than the East Baton Rouge Parish median ($638). The most common flood zone for insured homes here is zone X (45%).

$0$828 · $1,082 · $1,278$1,598
+15.1% vs Aug 31, 2025 (median $940)
1,528home policies in force
$1,136average cost (mean)
55%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 70791

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		$1,220$906–$1,568$1,292684 (45%)+8.3%
Zone A
High risk		$1,090$842–$1,389$1,176154 (10%)+4.5%
Zone X
Moderate to low risk		$995$762–$1,096$972690 (45%)+7.5%

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 70791, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,422$1,084$1,152
2–4 unit building12$999$1,001
Manufactured (mobile) home89$858$935
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.		14$1,501$1,859
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		73$2,259$2,471

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

1,615NFIP policies in force, any building
1,615insured units (condo association policies count every unit)
73%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 70791

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 force1,6541,528−7.6%
Median annual cost$940$1,082+15.1%
Average annual cost$1,051$1,136+8.1%
All policies in force (any building)1,7371,615−7.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70791 have filed 912 flood claims. 788 received a payment, for a total of $42.3 million (an average of $53,649 per paid claim). The year with the most claims was 2016 (524 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 29 claims, 27 paid, $192,274 in total1980: 23 claims, 19 paid, $70,113 in total19801982: 14 claims, 12 paid, $58,390 in total1983: 38 claims, 31 paid, $263,085 in total19831989: 20 claims, 16 paid, $101,008 in total19901993: 25 claims, 22 paid, $285,974 in total1995: 19 claims, 14 paid, $130,521 in total20002001: 20 claims, 13 paid, $66,400 in total2008: 65 claims, 56 paid, $1,981,979 in total200820102015: 10 claims2016: 524 claims, 485 paid, $36,651,995 in total20162020: 29 claims, 24 paid, $1,376,445 in total2020
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 (12)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20202924$1,376,445$57,352
2016524485$36,651,995$75,571
201510<10––
20086556$1,981,979$35,392
20012013$66,400$5,108
19951914$130,521$9,323
19932522$285,974$12,999
19892016$101,008$6,313
19833831$263,085$8,487
19821412$58,390$4,866
19802319$70,113$3,690
19792927$192,274$7,121

From 2016 to 2026: 553 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

Zachary (750 home policies) · East Baton Rouge Parish (579 home policies) · Central (195 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.