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Flood Figures

ZIP 70345 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, 1,508 NFIP flood insurance policies are in force in ZIP 70345 (Cut Off, LA), with 1,008 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,508
Median annual premium
$855
premium only
Median annual cost
$1,082
premium + fees & surcharges
Mean annual premium
$1,119
premium only
Policies in SFHA zones
99.5%
zones A, AE, AH, AO, V, VE
Building coverage in force
$282,594,000
Contents coverage in force
$94,456,000

"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 70345 by rated flood zone
Policies Share Share bar
A99 951 63.1%
A01 446 29.6%
AE 54 3.6%
A10 27 1.8%
A13 10 0.7%
X 6 0.4%
A19 5 0.3%
A 4 0.3%
A16 3 0.2%
B 1 0.1%
C 1 0.1%

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 70345 by occupancy type
Policies Share Share bar
Single-family homes 1,279 84.8%
Non-residential buildings 106 7.0%
Mobile homes 96 6.4%
Multi-unit buildings 27 1.8%

Claims history since 1978

Claims since 1978
1,008
Total paid
$8,676,619
Paid on buildings
$7,373,801
Paid on contents
$1,275,755
NFIP claims filed per year in ZIP 70345, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 2 $558
1979 8 $5,233
1980 5 $7,592
1981 6 $10,043
1982 2 $2,174
1983 1 $1,226
1984 1 $0
1985 305 $3,921,323
1987 1 $0
1988 1 $0
1990 2 $5,449
1991 10 $78,460
1992 13 $127,293
1993 10 $45,034
1994 2 $295
1995 3 $34,116
1996 1 $66,200
1998 15 $126,264
1999 5 $18,194
2001 13 $51,229
2002 21 $70,185
2003 2 $534
2004 12 $62,149
2005 137 $1,190,001
2006 7 $56,515
2007 17 $459,273
2008 238 $294,709
2009 2 $0
2010 4 $11,214
2011 5 $75,056
2012 30 $286,359
2014 2 $0
2015 6 $48,582
2016 8 $28,336
2017 21 $121,193
2019 5 $79,619
2020 9 $74,597
2021 70 $1,317,614
2022 1 $0
2024 5 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
1985 305 $3,921,323
2021 70 $1,317,614
2005 137 $1,190,001

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