Look up a ZIP
United States › Louisiana › Terrebonne Parish › ZIP 70377

Flood insurance costs in ZIP 70377 (Montegut, LA)

Plain facts for homeowners in Montegut: 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.

Illustration of a house on a hill in front of a large shield

ZIP 70377 at a glance

Four numbers most homeowners ask about first.

$1,999
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

293
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.

$3,156
County home premium

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

ZIP 70377 in numbers
$1,607
median flood policy cost (2025)
$156,369
average building coverage
$1,458
average flood policy (2022)
Rel. moderate
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 70377. It only released ZIP codes with at least 10 reporting insurers and 50 policies in its data. For reference, the typical ZIP code in Terrebonne Parish averaged $3,156 per policy in 2022.

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

Terrebonne Parish overview

Typical premium per policy

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

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 70377 in 2025 cost $1,999, based on 293 policies, compared with $1,458 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

293 policies
A zones 97%X/B/C zones 0%V zones 3%

Natural hazards

FEMA National Risk Index for Terrebonne Parish

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

All county hazards

Top county hazards

  • Hurricane98 · Very High
  • Coastal flooding94 · Relatively High
  • Heat wave94 · Relatively Moderate
  • Tornado93 · Relatively High
  • Lightning91 · Relatively High

Other ZIP codes in Terrebonne Parish

ZIP codes with their own page.

70344 Chauvin · $4,03270356 Gibson · $3,15670359 Gray · $2,76570360 Houma · $3,52770363 Houma · $2,78170364 Houma · $2,96870395 Schriever · $3,241

Practical next steps

Simple things homeowners in ZIP 70377 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.
Plan for heat and dry spells. Long dry periods can stress foundations and landscaping. Regular checks of your HVAC system and foundation can catch small problems before they become claims.
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.

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.