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Flood Figures

ZIP 70403 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, 1,809 NFIP flood insurance policies are in force in ZIP 70403 (Hammond, LA), with 711 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,809
Median annual premium
$857
premium only
Median annual cost
$1,086
premium + fees & surcharges
Mean annual premium
$974
premium only
Policies in SFHA zones
35.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$386,160,000
Contents coverage in force
$125,708,000

"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 70403 by rated flood zone
Policies Share Share bar
X 1,164 64.3%
A 523 28.9%
AE 122 6.7%

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 70403 by occupancy type
Policies Share Share bar
Single-family homes 1,577 87.2%
Non-residential buildings 112 6.2%
Multi-unit buildings 84 4.6%
Mobile homes 27 1.5%
Units in multi-unit buildings 9 0.5%

Claims history since 1978

Claims since 1978
711
Total paid
$27,715,042
Paid on buildings
$22,902,805
Paid on contents
$4,692,237
NFIP claims filed per year in ZIP 70403, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1980 3 $23,454
1983 13 $161,121
1985 2 $29,644
1987 2 $4,207
1990 2 $1,892
1992 2 $6,764
1993 3 $24,271
1994 5 $17,517
1995 7 $41,086
1996 4 $39,413
1998 6 $31,110
1999 1 $0
2001 6 $27,345
2002 11 $31,674
2003 19 $150,742
2004 2 $1,126
2005 44 $362,005
2007 1 $0
2008 45 $692,874
2009 1 $11,468
2010 1 $10,413
2011 1 $3,103
2012 46 $785,936
2013 1 $1,385
2014 1 $0
2015 2 $0
2016 183 $9,455,913
2017 4 $1,269
2019 5 $58,904
2020 4 $140,260
2021 277 $15,478,062
2022 1 $0
2023 2 $0
2024 4 $122,086

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2021 277 $15,478,062
2016 183 $9,455,913
2012 46 $785,936

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