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Flood Figures

ZIP 70805 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, 1,267 NFIP flood insurance policies are in force in ZIP 70805 (Baton Rouge, LA), with 1,224 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,267
Median annual premium
$414
premium only
Median annual cost
$642
premium + fees & surcharges
Mean annual premium
$498
premium only
Policies in SFHA zones
75.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$220,305,000
Contents coverage in force
$52,146,000

"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 70805 by rated flood zone
Policies Share Share bar
AE 933 73.6%
X 307 24.2%
A 27 2.1%

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 70805 by occupancy type
Policies Share Share bar
Single-family homes 1,048 82.7%
Non-residential buildings 153 12.1%
Multi-unit buildings 66 5.2%

Claims history since 1978

Claims since 1978
1,224
Total paid
$60,470,828
Paid on buildings
$54,534,161
Paid on contents
$5,743,834
NFIP claims filed per year in ZIP 70805, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 25 $126,227
1980 18 $41,696
1982 2 $9,995
1983 55 $513,557
1984 1 $2,507
1985 1 $115
1987 3 $12,264
1988 2 $1,564
1989 2 $0
1990 2 $24,993
1991 8 $52,636
1992 6 $23,949
1993 5 $33,860
1994 2 $6,287
1995 48 $250,234
1996 1 $6,998
1997 6 $7,830
1998 3 $1,751
1999 3 $18,737
2000 2 $3,388
2001 74 $714,867
2002 18 $29,620
2003 2 $1,382
2004 7 $11,209
2005 44 $157,423
2006 1 $4,437
2007 4 $9,166
2008 21 $28,884
2009 2 $255
2010 2 $0
2011 1 $9,664
2012 8 $1,342
2013 2 $7,369
2014 3 $0
2015 5 $1,440
2016 794 $57,940,117
2017 2 $0
2018 3 $0
2019 9 $171,440
2020 6 $79,420
2021 10 $47,268
2022 5 $3,669
2023 2 $5,274
2024 3 $107,990
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2016 794 $57,940,117
2001 74 $714,867
1983 55 $513,557

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