Menu

Flood insurance cost · ZIP 70815 · LA

Flood insurance cost in ZIP 70815 (East Baton Rouge Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,062 home policies in force on August 31, 2026.

ZIP code 70815 (East Baton Rouge Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$542a year

Half of insured homes paid between $477 and $633. That is 15% less than the East Baton Rouge Parish median ($638). Most insured homes here are rated in zone AE (64%).

$0$477 · $542 · $633$791
+2.1% vs Aug 31, 2025 (median $531)
3,062home policies in force
$571average cost (mean)
64%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 70815

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		$530$461–$630$5581,965 (64%)+2.1%
Zone X
Moderate to low risk		$562$503–$638$5941,097 (36%)+1.6%

Not shown (fewer than 10 home policies): VE, A, 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 70815, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,858$536$565
2–4 unit building139$691$729
Condo or apartment unit63$553$495
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.		36$1,146$1,187
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		186$794$908

Not shown (fewer than 10 policies): manufactured (mobile) home.

3,284NFIP policies in force, any building
3,299insured units (condo association policies count every unit)
74%of home policies also cover contents
$99,000median contents coverage, when bought

One year on: ZIP code 70815

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 force3,1383,062−2.4%
Median annual cost$531$542+2.1%
Average annual cost$561$571+1.8%
All policies in force (any building)3,3923,284−3.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70815 have filed 2,207 flood claims. 1,892 received a payment, for a total of $155.1 million (an average of $81,984 per paid claim). The year with the most claims was 2016 (1,450 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 31 claims, 28 paid, $164,806 in total1980: 25 claims, 18 paid, $39,064 in total19801983: 46 claims, 38 paid, $496,615 in total19901991: 65 claims, 59 paid, $858,461 in total19911992: 41 claims, 33 paid, $520,283 in total1993: 13 claims, 10 paid, $38,785 in total1995: 53 claims, 46 paid, $477,497 in total1997: 13 claims, 10 paid, $127,698 in total2000: 13 claims20002001: 21 claims, 15 paid, $66,975 in total2004: 38 claims, 36 paid, $627,925 in total2005: 33 claims, 19 paid, $359,634 in total2006: 15 claims, 11 paid, $138,776 in total2008: 28 claims, 13 paid, $116,688 in total20102012: 11 claims2016: 1,450 claims, 1,339 paid, $139,782,469 in total20162017: 11 claims2019: 11 claims2020: 15 claims, 11 paid, $312,882 in total20202021: 143 claims, 116 paid, $9,040,045 in total20212026: 15 claims, 11 paid, $619,636 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 (21)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20261511$619,636$56,331
2021143116$9,040,045$77,931
20201511$312,882$28,444
201911<10––
201711<10––
20161,4501,339$139,782,469$104,393
201211<10––
20082813$116,688$8,976
20061511$138,776$12,616
20053319$359,634$18,928
20043836$627,925$17,442
20012115$66,975$4,465
200013<10––
19971310$127,698$12,770
19955346$477,497$10,380
19931310$38,785$3,878
19924133$520,283$15,766
19916559$858,461$14,550
19834638$496,615$13,069
19802518$39,064$2,170
19793128$164,806$5,886

From 2016 to 2026: 1,645 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 (3,060 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.