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Flood insurance cost · ZIP 70814 · LA

Flood insurance cost in ZIP 70814 (East Baton Rouge Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,253 home policies in force on August 31, 2026.

ZIP code 70814 (East Baton Rouge Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$913a year

Half of insured homes paid between $726 and $1,087. That is 43% more than the East Baton Rouge Parish median ($638). Most insured homes here are rated in zone X (76%).

$0$726 · $913 · $1,087$1,359
+7.4% vs Aug 31, 2025 (median $850)
1,253home policies in force
$1,017average cost (mean)
24%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 70814

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		$1,339$785–$2,146$1,656182 (15%)+12.9%
Zone A
High risk		$887$785–$963$888118 (9%)+3.5%
Zone X
Moderate to low risk		$880$713–$1,083$912953 (76%)+7.3%

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 70814, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,241$910$1,011
2–4 unit building11$2,009$1,697
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		136$1,384$1,915

Not shown (fewer than 10 policies): manufactured (mobile) home, condo or apartment unit, whole residential building (5+ units or condo association).

1,397NFIP policies in force, any building
1,397insured units (condo association policies count every unit)
90%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 70814

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 force1,3871,253−9.7%
Median annual cost$850$913+7.4%
Average annual cost$932$1,017+9.1%
All policies in force (any building)1,5561,397−10.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70814 have filed 1,773 flood claims. 1,613 received a payment, for a total of $98.3 million (an average of $60,935 per paid claim). The year with the most claims was 2016 (600 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 82 claims, 74 paid, $323,518 in total1980: 32 claims, 27 paid, $78,662 in total19801982: 25 claims, 23 paid, $87,088 in total1983: 182 claims, 181 paid, $4,844,115 in total19831990: 61 claims, 57 paid, $624,312 in total19901992: 21 claims, 12 paid, $87,598 in total1993: 170 claims, 163 paid, $3,425,708 in total1995: 109 claims, 99 paid, $1,717,161 in total20002001: 239 claims, 230 paid, $8,997,720 in total20012005: 10 claims2008: 147 claims, 121 paid, $5,075,576 in total20102016: 600 claims, 576 paid, $72,582,782 in total201620202021: 13 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 (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202113<10––
2016600576$72,582,782$126,012
2008147121$5,075,576$41,947
200510<10––
2001239230$8,997,720$39,121
199510999$1,717,161$17,345
1993170163$3,425,708$21,017
19922112$87,598$7,300
19906157$624,312$10,953
1983182181$4,844,115$26,763
19822523$87,088$3,786
19803227$78,662$2,913
19798274$323,518$4,372

From 2016 to 2026: 613 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

East Baton Rouge Parish (1,253 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.