ZIP 70630 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, 117 NFIP flood insurance policies are in force in ZIP 70630 (Bell City, LA), with 42 flood claims recorded since 1978.

Policies & premiums

Policies in force: 117
Median annual premium: $1,194; premium only
Median annual cost: $1,482; premium + fees & surcharges
Mean annual premium: $1,454; premium only
Policies in SFHA zones: 71.8%; zones A, AE, AH, AO, V, VE
Building coverage in force: $25,404,000
Contents coverage in force: $6,972,000

"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 70630 by rated flood zone
	Policies	Share
AE	84	71.8%
X	29	24.8%
B	4	3.4%

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 70630 by occupancy type
	Policies	Share
Single-family homes	91	77.8%
Mobile homes	16	13.7%
Non-residential buildings	8	6.8%
Multi-unit buildings	2	1.7%

Claims history since 1978

Claims since 1978: 42
Total paid: $1,735,094
Paid on buildings: $1,316,274
Paid on contents: $388,820

NFIP claims filed per year in ZIP 70630, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).

Claims by year (data table)

Year	Claims	Paid
1980	1	$17,761
1995	1	$7,190
2005	10	$691,575
2008	10	$442,852
2014	1	$0
2016	1	$4,221
2017	5	$281,733
2019	1	$2,300
2020	12	$287,461

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year	Claims	Paid
2005	10	$691,575
2008	10	$442,852
2020	12	$287,461

State page: Flood insurance in Louisiana
Tool: look up another ZIP
Reading: What is the NFIP? · How these figures are computed