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Flood insurance costs in ZIP 70358 (Grand Isle, LA)

Plain facts for homeowners in Grand Isle: what flood insurance costs here, which flood zones local policies are in, and how the area's home insurance compares.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 70358 at a glance

Four numbers most homeowners ask about first.

$1,932
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

444
Flood policies

Single-family NFIP policies that took effect in 2025.

100%
In A or V zones

Share of those policies for homes in FEMA's high-risk flood zones.

$3,556
County home premium

Typical Jefferson Parish ZIP in 2022 (Treasury, inflation-adjusted).

ZIP 70358 in numbers
$1,572
median flood policy cost (2025)
$196,435
average building coverage
$1,763
average flood policy (2022)
Rel. high
county FEMA risk rating

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

Treasury didn't publish homeowners figures for ZIP 70358. It only released ZIP codes with at least 10 reporting insurers and 50 policies in its data. For reference, the typical ZIP code in Jefferson Parish averaged $3,556 per policy in 2022.

Jefferson Parish, Louisiana and U.S. typical ZIP codes

Jefferson Parish overview

Typical premium per policy

Inflation-adjusted dollars, median across ZIP codes
JeffersonLouisianaU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 70358 in 2025 cost $1,932, based on 444 policies, compared with $1,763 in 2022. About 100% of them are for homes in high-risk A or V zones.

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

444 policies
A zones 9%X/B/C zones 0%V zones 91%

Natural hazards

FEMA National Risk Index for Jefferson Parish

FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Jefferson Parish are listed, as national percentiles (100 = highest).

All county hazards

Top county hazards

  • Hurricane100 · Very High
  • Lightning99 · Very High
  • Heat wave97 · Relatively High
  • Cold wave96 · Relatively High
  • Hail96 · Relatively High

Other ZIP codes in Jefferson Parish

ZIP codes with their own page. Showing 12 of 16; see the county page for all.

70001 Metairie · $3,55970002 Metairie · $4,94770003 Metairie · $3,46770005 Metairie · $4,99070006 Metairie · $4,06770036 Barataria · $4,62770053 Gretna · $3,13770056 Gretna · $3,55270058 Harvey · $3,28670062 Kenner · $2,85470065 Kenner · $3,88270067 Lafitte · $4,285

Practical next steps

Simple things homeowners in ZIP 70358 can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Ask about wind mitigation credits. Features like hurricane straps, a newer roof and impact-rated windows or shutters can lower premiums. Ask your insurer which upgrades earn a discount and what paperwork it needs.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.
Keep records. A roof certificate, receipts for upgrades and photos of your home's condition can help when you shop for coverage or file a claim.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.