ZIP 70645 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, 250 NFIP flood insurance policies are in force in ZIP 70645 (Hackberry, LA), with 492 flood claims recorded since 1978.

Policies & premiums

Policies in force: 250
Median annual premium: $1,169; premium only
Median annual cost: $1,489; premium + fees & surcharges
Mean annual premium: $2,181; premium only
Policies in SFHA zones: 96.0%; zones A, AE, AH, AO, V, VE
Building coverage in force: $52,950,000
Contents coverage in force: $14,498,000

"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 70645 by rated flood zone
	Policies	Share	Share bar
AE	240	96.0%
X	10	4.0%

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 70645 by occupancy type
	Policies	Share
Single-family homes	164	65.6%
Mobile homes	43	17.2%
Non-residential buildings	38	15.2%
Multi-unit buildings	3	1.2%
Units in multi-unit buildings	2	0.8%

Claims history since 1978

Claims since 1978: 492
Total paid: $27,422,933
Paid on buildings: $20,827,169
Paid on contents: $5,737,429

NFIP claims filed per year in ZIP 70645, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).

Claims by year (data table)

Year	Claims	Paid
1979	1	$0
1985	1	$9,702
1998	7	$66,495
2004	1	$0
2005	149	$7,554,124
2008	274	$18,885,276
2013	1	$0
2015	1	$0
2016	1	$0
2020	54	$314,983
2023	2	$592,353

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year	Claims	Paid
2008	274	$18,885,276
2005	149	$7,554,124
2023	2	$592,353

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