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Flood Figures

ZIP 70816 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, 4,639 NFIP flood insurance policies are in force in ZIP 70816 (Baton Rouge, LA), with 2,682 flood claims recorded since 1978.

Policies & premiums

Policies in force
4,639
Median annual premium
$388
premium only
Median annual cost
$592
premium + fees & surcharges
Mean annual premium
$522
premium only
Policies in SFHA zones
43.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,102,827,000
Contents coverage in force
$330,683,000

"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 70816 by rated flood zone
Policies Share Share bar
X 2,638 56.9%
AE 1,984 42.8%
A 17 0.4%

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 70816 by occupancy type
Policies Share Share bar
Single-family homes 3,735 80.5%
Multi-unit buildings 362 7.8%
Non-residential buildings 323 7.0%
Units in multi-unit buildings 140 3.0%
Mobile homes 79 1.7%

Claims history since 1978

Claims since 1978
2,682
Total paid
$260,354,015
Paid on buildings
$229,738,243
Paid on contents
$30,555,772
NFIP claims filed per year in ZIP 70816, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 4 $21,914
1979 28 $152,650
1980 17 $53,270
1981 1 $0
1982 5 $4,281
1983 162 $2,573,648
1984 2 $637
1985 7 $40,184
1986 7 $21,158
1987 6 $5,391
1988 4 $0
1989 4 $4,229
1990 36 $362,991
1991 12 $11,533
1992 29 $92,753
1993 24 $201,017
1994 8 $87,023
1995 16 $104,275
1996 1 $2,737
1997 7 $22,090
1998 9 $1,493
1999 2 $0
2001 30 $410,518
2002 3 $0
2003 4 $17,607
2004 3 $61,477
2005 22 $194,837
2006 7 $28,297
2007 2 $6,669
2008 16 $69,283
2009 1 $0
2010 12 $0
2011 2 $270
2012 9 $12,999
2013 4 $23,012
2015 1 $9,255
2016 2,006 $244,015,039
2017 9 $0
2018 5 $8,242
2019 11 $289,562
2020 1 $0
2021 130 $11,378,458
2022 5 $11,674
2023 2 $0
2024 5 $30,940
2026 1 $22,603

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2016 2,006 $244,015,039
2021 130 $11,378,458
1983 162 $2,573,648

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