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Flood Figures

ZIP 70809 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, 3,401 NFIP flood insurance policies are in force in ZIP 70809 (Baton Rouge, LA), with 1,038 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,401
Median annual premium
$439
premium only
Median annual cost
$638
premium + fees & surcharges
Mean annual premium
$485
premium only
Policies in SFHA zones
49.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$823,571,000
Contents coverage in force
$259,907,000

"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 70809 by rated flood zone
Policies Share Share bar
AE 1,703 50.1%
X 1,626 47.8%
AO 64 1.9%
A 6 0.2%
A03 1 0.0%
B 1 0.0%

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 70809 by occupancy type
Policies Share Share bar
Single-family homes 2,408 70.8%
Non-residential buildings 469 13.8%
Multi-unit buildings 332 9.8%
Units in multi-unit buildings 186 5.5%
Mobile homes 6 0.2%

Claims history since 1978

Claims since 1978
1,038
Total paid
$55,619,603
Paid on buildings
$46,855,361
Paid on contents
$8,711,020
NFIP claims filed per year in ZIP 70809, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 5 $7,932
1979 9 $38,487
1980 7 $17,689
1981 2 $1,397
1982 2 $1,092
1983 19 $212,534
1985 3 $16,605
1986 16 $68,996
1987 2 $0
1988 17 $102,602
1989 74 $1,051,184
1990 3 $4,420
1991 40 $570,417
1992 52 $461,227
1993 14 $182,785
1994 4 $40,960
1995 64 $922,716
1996 4 $1,765
1997 3 $8,456
1998 1 $647
1999 1 $0
2000 5 $6,004
2001 35 $504,422
2002 3 $2,684
2003 1 $16,030
2004 13 $264,321
2005 25 $695,434
2006 4 $54,693
2007 3 $6,957
2008 12 $19,927
2009 3 $17,796
2011 1 $18,849
2012 10 $33,426
2013 5 $23,393
2014 4 $0
2015 8 $3,079
2016 111 $6,884,110
2017 2 $19,568
2018 2 $1,573
2019 6 $133,963
2020 4 $11,787
2021 432 $43,158,449
2022 3 $0
2023 2 $31,229
2024 1 $0
2026 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2021 432 $43,158,449
2016 111 $6,884,110
1989 74 $1,051,184

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