ZIP 71051 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, 132 NFIP flood insurance policies are in force in ZIP 71051 (Elm Grove, LA), with 101 flood claims recorded since 1978.

Policies & premiums

Policies in force: 132
Median annual premium: $314; premium only
Median annual cost: $500; premium + fees & surcharges
Mean annual premium: $368; premium only
Policies in SFHA zones: 93.2%; zones A, AE, AH, AO, V, VE
Building coverage in force: $23,744,000
Contents coverage in force: $3,824,000

"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 71051 by rated flood zone
	Policies	Share
AE	97	73.5%
A	22	16.7%
X	9	6.8%
A06	4	3.0%

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 71051 by occupancy type
	Policies	Share
Single-family homes	93	70.5%
Mobile homes	25	18.9%
Non-residential buildings	14	10.6%

Claims history since 1978

Claims since 1978: 101
Total paid: $2,096,641
Paid on buildings: $1,853,274
Paid on contents: $230,867

NFIP claims filed per year in ZIP 71051, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).

Claims by year (data table)

Year	Claims	Paid
1982	1	$0
1986	1	$0
1987	1	$0
1990	2	$7,554
1991	12	$141,287
1997	3	$9,045
1999	3	$2,004
2001	4	$4,438
2008	1	$0
2009	8	$63,067
2015	2	$3,882
2016	63	$1,865,363

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year	Claims	Paid
2016	63	$1,865,363
1991	12	$141,287
2009	8	$63,067

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