InsureWatch

70123

Extreme85

Elmwood, Louisiana — Jefferson County

Pop. 27,633Median Income $78,415Median Home $291,400
0/ 100Extreme Risk

2025 Estimated Premium

$4,158/yr

+12.7% from 2022 actual ($3,690)

Projected using FRED CPI for Household Insurance, adjusted for this ZIP's historical trend. Not a quote.

Avg Premium (2022)

$3,690

+7.1%

2018–2025

Nonrenewal Rate

3.81%

2018–2022

Claim Frequency

18.4%

Avg Claim Amount

$27,298

Score Breakdown

Premium Level (25%)97
Premium Trend (20%)85
Nonrenewal Risk (20%)97
Storm Exposure (15%)82
Affordability (10%)93
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
20186 events
Property damage$0
1 hail
19
201910 events
Property damage$0
1 tornado3 flood
20
202011 events
Property damage$127,000
8 flood
21
202120 events
Property damage$135,000
1 tornado11 flood
22
202215 events1 fatalities
Property damage$51,043,500
2 tornado2 hail7 flood
23
202311 events
Property damage$22,500
2 tornado3 hail3 flood
24
202418 events
Property damage$39,618,000
1 hail14 flood
25
202537 events
Property damage$39,500
1 tornado1 hail10 flood

Nearby ZIP Codes

70094Waggaman, LA
84Extreme
70121Jefferson, LA
85Extreme
70001Metairie, LA
83Extreme
70003Metairie, LA
82Extreme
70062Kenner, LA
84Extreme

Compare home insurance quotes in Elmwood, LA

See rates from top carriers. It takes 2 minutes and could save you hundreds.

The Zebra →Insurify →Policygenius →

Ad · We may earn a commission when you get a quote through our partners. This doesn't affect our data or scores.

Buying a home in Elmwood, LA? Check mortgage rates

Compare rates from top lenders

Get alerts when your ZIP's risk changes

We'll email you when premiums spike, nonrenewal rates jump, or a major storm hits your area.

AI Risk Report

Get a detailed narrative analysis of this ZIP

Also from us: CrashWatch

See car crash data, road safety scores, and traffic fatality stats for Elmwood, LA.

Compare this ZIP

See how 70123 stacks up against another ZIP code or city.

Compare Now

Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.