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Home insurance & flood costs in ZIP 70346 (Donaldsonville, LA)

Plain facts for homeowners in Donaldsonville: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 70346 at a glance

Four numbers most homeowners ask about first.

$2,575
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

$666
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.45%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

12.9%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 70346 in numbers
$14,401
average paid claim (2022)
+9%
premium change 2018–2022, after inflation
1.34%
cancelled by insurers mid-term (2022)
247
single-family NFIP policies (2025)

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

The average premium per policy in ZIP 70346 was $2,575 in 2022, about the same as the Ascension Parish typical ZIP ($2,546) and 66% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 9% between 2018 and 2022. About 12.9% of policies here had a paid claim in 2022, and insurers chose not to renew 0.45% of policies.

Ascension Parish overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 70346AscensionU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 70346 in 2025 cost $666, based on 247 policies, compared with $603 in 2022. About 27% 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

247 policies
A zones 27%X/B/C zones 73%V zones 0%

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Ascension Parish

The chart shows the share of homeowners policies in ZIP 70346 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Ascension Parish are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Hurricane98 · Relatively High
  • Tornado95 · Relatively High
  • Heat wave91 · Relatively Moderate
  • Lightning89 · Relatively High
  • Cold wave82 · Relatively Moderate

Other ZIP codes in Ascension Parish

Average premium per policy in 2022 (Treasury FIO).

70734 Geismar · $2,57870737 Gonzales · $2,37570769 Prairieville · $2,54670774 Saint Amant · $2,46470778 Sorrento · $2,531

Practical next steps

Simple things homeowners in ZIP 70346 can do with this information.

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.
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.