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Flood insurance cost · ZIP 70819 · LA

Flood insurance cost in ZIP 70819 (East Baton Rouge Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 919 home policies in force on August 31, 2026.

ZIP code 70819 (East Baton Rouge Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$915a year

Half of insured homes paid between $742 and $1,122. That is 43% more than the East Baton Rouge Parish median ($638). Most insured homes here are rated in zone AE (85%).

$0$742 · $915 · $1,122$1,402
+3.4% vs Aug 31, 2025 (median $885)
919home policies in force
$969average cost (mean)
85%of insured homes in high-risk zones (A, V)
$162,000median 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 70819

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		$922$765–$1,134$994784 (85%)+1.8%
Zone X
Moderate to low risk		$843$570–$1,048$822135 (15%)+6.3%

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 70819, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home914$913$966
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		39$1,300$1,434

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit, whole residential building (5+ units or condo association).

964NFIP policies in force, any building
964insured units (condo association policies count every unit)
54%of home policies also cover contents
$40,000median contents coverage, when bought

One year on: ZIP code 70819

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 force943919−2.5%
Median annual cost$885$915+3.4%
Average annual cost$937$969+3.4%
All policies in force (any building)984964−2.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70819 have filed 1,285 flood claims. 1,151 received a payment, for a total of $73.7 million (an average of $64,043 per paid claim). The year with the most claims was 2016 (777 claims). Amounts are in dollars of the time, not adjusted for inflation.

020040060080019801983: 121 claims, 115 paid, $2,007,606 in total19831990: 39 claims, 38 paid, $615,262 in total19901991: 52 claims, 47 paid, $426,054 in total1992: 16 claims, 13 paid, $35,054 in total1993: 20 claims, 19 paid, $175,326 in total1995: 20 claims, 17 paid, $155,478 in total2000: 13 claims, 11 paid, $50,183 in total20002001: 23 claims, 19 paid, $310,109 in total2004: 18 claims, 14 paid, $363,043 in total2005: 11 claims2008: 12 claims20102012: 11 claims2016: 777 claims, 746 paid, $65,120,099 in total201620202021: 72 claims, 61 paid, $4,085,279 in total2021
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 (14)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20217261$4,085,279$66,972
2016777746$65,120,099$87,292
201211<10––
200812<10––
200511<10––
20041814$363,043$25,932
20012319$310,109$16,322
20001311$50,183$4,562
19952017$155,478$9,146
19932019$175,326$9,228
19921613$35,054$2,696
19915247$426,054$9,065
19903938$615,262$16,191
1983121115$2,007,606$17,457

From 2016 to 2026: 849 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 (919 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.