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Flood insurance cost · ZIP 70820 · LA

Flood insurance cost in ZIP 70820 (East Baton Rouge Parish, LA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,471 home policies in force on August 31, 2026.

ZIP code 70820 (East Baton Rouge Parish, LA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$595a year

Half of insured homes paid between $530 and $701. That is 7% less than the East Baton Rouge Parish median ($638). Most insured homes here are rated in zone X (72%).

$0$530 · $595 · $701$876
+1.5% vs Aug 31, 2025 (median $586)
1,471home policies in force
$621average cost (mean)
28%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 70820

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		$624$529–$738$633393 (27%)+1.1%
Zone A
High risk		$571$526–$593$55912 (1%)+2.3%
Zone X
Moderate to low risk		$586$531–$688$6171,066 (72%)+0.9%

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 70820, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,240$590$619
2–4 unit building126$736$756
Condo or apartment unit105$546$486
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.		196$1,079$1,080
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		73$945$978

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

1,740NFIP policies in force, any building
2,154insured units (condo association policies count every unit)
81%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 70820

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 force1,5781,471−6.8%
Median annual cost$586$595+1.5%
Average annual cost$613$621+1.3%
All policies in force (any building)1,8571,740−6.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 70820 have filed 367 flood claims. 257 received a payment, for a total of $8,294,243 (an average of $32,273 per paid claim). The year with the most claims was 2016 (65 claims). Amounts are in dollars of the time, not adjusted for inflation.

0204060801979: 11 claims, 10 paid, $47,371 in total1980: 10 claims, 10 paid, $16,756 in total19801989: 43 claims, 34 paid, $196,161 in total198919901993: 33 claims, 31 paid, $323,867 in total20002001: 52 claims, 30 paid, $325,417 in total200120102016: 65 claims, 54 paid, $3,537,778 in total20162019: 24 claims, 10 paid, $456,888 in total20202021: 43 claims, 34 paid, $2,329,592 in total2022: 12 claims2023: 13 claims, 11 paid, $662,422 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 (10)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20231311$662,422$60,220
202212<10––
20214334$2,329,592$68,517
20192410$456,888$45,689
20166554$3,537,778$65,514
20015230$325,417$10,847
19933331$323,867$10,447
19894334$196,161$5,769
19801010$16,756$1,676
19791110$47,371$4,737

From 2016 to 2026: 157 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 (1,471 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.