ZIP 70435 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, 2,280 NFIP flood insurance policies are in force in ZIP 70435 (Covington, LA), with 749 flood claims recorded since 1978.

Policies & premiums

Policies in force: 2,280
Median annual premium: $817; premium only
Median annual cost: $1,047; premium + fees & surcharges
Mean annual premium: $820; premium only
Policies in SFHA zones: 34.4%; zones A, AE, AH, AO, V, VE
Building coverage in force: $530,932,000
Contents coverage in force: $186,585,000

"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 70435 by rated flood zone
	Policies	Share
C	923	40.5%
X	342	15.0%
A04	311	13.6%
A	269	11.8%
B	230	10.1%
A11	93	4.1%
A15	42	1.8%
A07	22	1.0%
A08	18	0.8%
AE	17	0.7%
A13	9	0.4%
A02	4	0.2%

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 70435 by occupancy type
	Policies	Share
Single-family homes	2,176	95.4%
Non-residential buildings	69	3.0%
Mobile homes	28	1.2%
Multi-unit buildings	6	0.3%
Units in multi-unit buildings	1	0.0%

Claims history since 1978

Claims since 1978: 749
Total paid: $32,764,078
Paid on buildings: $24,964,129
Paid on contents: $7,749,948

NFIP claims filed per year in ZIP 70435, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).

Claims by year (data table)

Year	Claims	Paid
1988	1	$0
1992	2	$8,391
1993	10	$62,100
1995	9	$65,808
1996	6	$25,652
1998	9	$35,136
1999	2	$1,407
2001	39	$616,767
2002	19	$64,894
2003	30	$369,667
2004	1	$5,910
2005	146	$467,757
2006	1	$0
2008	14	$104,303
2009	3	$764
2012	16	$255,940
2014	1	$0
2015	3	$0
2016	335	$27,884,409
2017	1	$44,839
2018	7	$121,372
2019	1	$21,602
2020	19	$805,281
2021	68	$1,579,767
2022	1	$0
2024	5	$222,313

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year	Claims	Paid
2016	335	$27,884,409
2021	68	$1,579,767
2020	19	$805,281

City page: Flood insurance in Covington, LA
State page: Flood insurance in Louisiana
Other ZIPs in Covington: 70433
Tool: look up another ZIP
Reading: What is the NFIP? · How these figures are computed