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Flood Figures

ZIP 70538 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, 760 NFIP flood insurance policies are in force in ZIP 70538 (Franklin, LA), with 1,209 flood claims recorded since 1978.

Policies & premiums

Policies in force
760
Median annual premium
$1,433
premium only
Median annual cost
$1,789
premium + fees & surcharges
Mean annual premium
$1,968
premium only
Policies in SFHA zones
81.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$123,201,200
Contents coverage in force
$25,499,000

"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 70538 by rated flood zone
Policies Share Share bar
AE 486 63.9%
X 125 16.4%
VE 55 7.2%
AO 53 7.0%
A 12 1.6%
C 11 1.4%
A11 6 0.8%
B 6 0.8%
V17 2 0.3%
AOB 2 0.3%
A04 1 0.1%
A05 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 70538 by occupancy type
Policies Share Share bar
Single-family homes 631 83.0%
Non-residential buildings 69 9.1%
Multi-unit buildings 30 3.9%
Mobile homes 30 3.9%

Claims history since 1978

Claims since 1978
1,209
Total paid
$22,817,852
Paid on buildings
$18,585,551
Paid on contents
$3,775,469
NFIP claims filed per year in ZIP 70538, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 8 $9,980
1979 19 $49,746
1980 48 $119,407
1981 1 $0
1982 2 $6,906
1983 4 $12,815
1984 52 $399,411
1985 27 $273,446
1986 1 $0
1987 1 $5,492
1988 34 $118,852
1989 18 $15,638
1992 46 $321,158
1993 2 $12,535
1995 3 $1,250
1997 23 $195,076
1998 10 $40,329
2000 2 $13,229
2001 38 $160,883
2002 180 $2,189,391
2003 11 $57,019
2004 1 $2,060
2005 251 $8,952,636
2006 3 $6,964
2007 1 $9,427
2008 262 $6,359,796
2009 20 $292,718
2010 2 $0
2011 4 $24,448
2012 3 $2,981
2013 1 $3,142
2015 5 $23,705
2016 5 $7,944
2017 18 $141,262
2018 1 $0
2019 45 $1,677,174
2020 45 $1,166,838
2021 5 $59,944
2024 7 $84,252

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2005 251 $8,952,636
2008 262 $6,359,796
2002 180 $2,189,391

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