ZIP 70050 flood insurance data

Computed from OpenFEMA FIMA NFIP Redacted Policies (v2) and OpenFEMA FIMA NFIP Redacted Claims (v2). Policy data as of June 1, 2026; claims recorded through June 1, 2026.

As of June 1, 2026, 43 NFIP flood insurance policies are in force in ZIP 70050 (Empire, LA), with 156 flood claims recorded since 1978.

Policies & premiums

Policies in force: 43
Median annual premium: $741; premium only
Median annual cost: $1,171; premium + fees & surcharges
Mean annual premium: $1,671; premium only
Policies in SFHA zones: 100.0%; zones A, AE, AH, AO, V, VE
Building coverage in force: $9,346,000
Contents coverage in force: $7,834,000

"Premium" is the policy premium alone; "cost" adds federal fees and surcharges. In-force counts are an approximation derived from policy effective, termination, and cancellation dates — see methodology.

Flood zones of insured properties

NFIP policies in ZIP 70050 by rated flood zone
	Policies	Share	Share bar
AE	43	100.0%

Distribution of insured properties by the flood zone used in their policy rating — not a map of land area. Numbered zones (A1–A30, V1–V30) and Zones B and C appear on older FEMA map panels; B and C correspond to today's shaded and unshaded Zone X.

What the policies cover

NFIP policies in ZIP 70050 by occupancy type
	Policies	Share
Mobile homes	21	48.8%
Non-residential buildings	19	44.2%
Single-family homes	3	7.0%

Claims history since 1978

Claims since 1978: 156
Total paid: $14,455,430
Paid on buildings: $9,901,656
Paid on contents: $4,354,649

NFIP claims filed per year in ZIP 70050, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).

Claims by year (data table)

Year	Claims	Paid
1979	3	$16,632
1980	1	$3,398
1983	3	$9,577
1984	1	$0
1985	2	$14,027
1989	1	$7,747
1990	1	$20,675
1991	2	$3,662
1992	1	$8,670
1996	2	$45,816
1997	11	$363,858
1998	3	$38,404
1999	2	$186,277
2002	7	$113,072
2004	1	$30,000
2005	111	$13,593,617
2012	2	$0
2021	2	$0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year	Claims	Paid
2005	111	$13,593,617
1997	11	$363,858
1999	2	$186,277

State page: Flood insurance in Louisiana
Tool: look up another ZIP
Reading: What is the NFIP? · How these figures are computed