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Flood Figures

ZIP 70454 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, 2,583 NFIP flood insurance policies are in force in ZIP 70454 (Ponchatoula, LA), with 1,519 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,583
Median annual premium
$858
premium only
Median annual cost
$1,084
premium + fees & surcharges
Mean annual premium
$904
premium only
Policies in SFHA zones
21.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$564,570,000
Contents coverage in force
$200,278,000

"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 70454 by rated flood zone
Policies Share Share bar
X 2,039 78.9%
A 341 13.2%
AE 191 7.4%
VE 10 0.4%
C 2 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 70454 by occupancy type
Policies Share Share bar
Single-family homes 2,432 94.2%
Mobile homes 61 2.4%
Non-residential buildings 58 2.2%
Multi-unit buildings 21 0.8%
Units in multi-unit buildings 11 0.4%

Claims history since 1978

Claims since 1978
1,519
Total paid
$72,745,679
Paid on buildings
$55,551,453
Paid on contents
$16,417,256
NFIP claims filed per year in ZIP 70454, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 2 $14,529
1980 3 $11,288
1981 1 $493
1983 22 $299,895
1985 9 $89,331
1986 1 $0
1987 3 $9,300
1988 2 $17,043
1990 3 $12,247
1991 7 $29,594
1992 19 $127,098
1993 11 $70,935
1994 2 $12,896
1995 8 $11,881
1996 11 $56,431
1997 1 $0
1998 13 $109,352
2001 15 $109,826
2002 18 $172,669
2003 16 $198,067
2004 10 $133,024
2005 68 $1,291,724
2008 38 $715,995
2009 3 $26,127
2010 1 $3,966
2011 17 $320,614
2012 157 $6,507,231
2013 5 $32,356
2016 671 $44,659,480
2017 3 $2,347
2019 5 $79,320
2020 37 $1,373,767
2021 324 $16,098,536
2022 5 $14,703
2023 1 $0
2024 7 $133,613

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2016 671 $44,659,480
2021 324 $16,098,536
2012 157 $6,507,231

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