Menu

Flood insurance cost · ZIP 70818 · LA

Flood insurance cost in ZIP 70818 (Central, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,365 home policies in force on August 31, 2026.

ZIP code 70818 (Central, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,224a year

Half of insured homes paid between $1,080 and $1,405. That is 92% more than the East Baton Rouge Parish median ($638). Most insured homes here are rated in zone AE (55%).

$0$1,080 · $1,224 · $1,405$1,756
+12.9% vs Aug 31, 2025 (median $1,084)
1,365home policies in force
$1,304average 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 70818

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		$1,291$1,053–$1,619$1,413745 (55%)−1.7%
Zone A
High risk		$1,123$926–$1,330$1,16639 (3%)+6.6%
Zone X
Moderate to low risk		$1,093$1,081–$1,265$1,173581 (43%)+7.6%

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 70818, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,277$1,223$1,311
2–4 unit building69$1,274$1,314
Manufactured (mobile) home16$864$842
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.		13$3,483$2,958
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		66$2,145$2,498

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

1,444NFIP policies in force, any building
1,444insured 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 70818

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 force1,4501,365−5.9%
Median annual cost$1,084$1,224+12.9%
Average annual cost$1,240$1,304+5.2%
All policies in force (any building)1,5281,444−5.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70818 have filed 1,352 flood claims. 1,228 received a payment, for a total of $76.2 million (an average of $62,078 per paid claim). The year with the most claims was 2016 (654 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 15 claims, 15 paid, $96,032 in total1980: 17 claims, 15 paid, $35,869 in total19801982: 23 claims, 19 paid, $74,348 in total1983: 119 claims, 113 paid, $2,377,302 in total19831985: 13 claims, 12 paid, $77,594 in total1988: 20 claims, 17 paid, $61,104 in total1989: 31 claims, 29 paid, $126,395 in total1990: 16 claims, 14 paid, $184,305 in total19901992: 11 claims, 10 paid, $39,423 in total1993: 94 claims, 87 paid, $2,252,086 in total1994: 16 claims, 15 paid, $188,155 in total1995: 125 claims, 116 paid, $1,641,126 in total19951996: 21 claims, 19 paid, $246,195 in total1998: 14 claims, 13 paid, $182,081 in total2000: 13 claims, 12 paid, $127,431 in total20002001: 53 claims, 48 paid, $2,774,335 in total2008: 24 claims, 21 paid, $1,489,650 in total20102016: 654 claims, 598 paid, $63,485,556 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 (18)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2016654598$63,485,556$106,163
20082421$1,489,650$70,936
20015348$2,774,335$57,799
20001312$127,431$10,619
19981413$182,081$14,006
19962119$246,195$12,958
1995125116$1,641,126$14,148
19941615$188,155$12,544
19939487$2,252,086$25,886
19921110$39,423$3,942
19901614$184,305$13,165
19893129$126,395$4,358
19882017$61,104$3,594
19851312$77,594$6,466
1983119113$2,377,302$21,038
19822319$74,348$3,913
19801715$35,869$2,391
19791515$96,032$6,402

From 2016 to 2026: 654 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 (1,306 home policies) · East Baton Rouge Parish (59 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.