ZIP 70812 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, 470 NFIP flood insurance policies are in force in ZIP 70812 (Baton Rouge, LA), with 235 flood claims recorded since 1978.

Policies & premiums

Policies in force: 470
Median annual premium: $777; premium only
Median annual cost: $1,015; premium + fees & surcharges
Mean annual premium: $940; premium only
Policies in SFHA zones: 27.7%; zones A, AE, AH, AO, V, VE
Building coverage in force: $88,025,000
Contents coverage in force: $26,367,000

"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 70812 by rated flood zone
	Policies	Share
X	340	72.3%
AE	129	27.4%
A	1	0.2%

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 70812 by occupancy type
	Policies	Share	Share bar
Single-family homes	423	90.0%
Non-residential buildings	47	10.0%

Claims history since 1978

Claims since 1978: 235
Total paid: $11,055,189
Paid on buildings: $9,090,339
Paid on contents: $1,964,851

NFIP claims filed per year in ZIP 70812, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).

Claims by year (data table)

Year	Claims	Paid
1978	1	$651
1979	6	$33,630
1980	4	$8,957
1982	3	$9,351
1983	16	$220,248
1984	3	$1,664
1985	2	$1,746
1989	1	$1,884
1990	6	$12,309
1991	1	$8,632
1992	1	$0
1993	8	$78,123
1994	1	$3,495
1995	11	$65,878
1997	3	$34,140
2001	11	$168,965
2002	2	$4,514
2003	2	$1,869
2008	4	$7,503
2010	1	$0
2012	1	$0
2013	1	$0
2016	118	$10,091,591
2017	2	$0
2018	2	$9,668
2019	4	$105,577
2020	10	$177,293
2021	8	$4,514
2022	1	$2,986
2023	1	$0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year	Claims	Paid
2016	118	$10,091,591
1983	16	$220,248
2020	10	$177,293

City page: Flood insurance in Baton Rouge, LA
State page: Flood insurance in Louisiana
Other ZIPs in Baton Rouge: 70817 , 70816 , 70810 , 70809 , 70815
Tool: look up another ZIP
Reading: What is the NFIP? · How these figures are computed