Hammond, LA Flood Zone Map
Last updated: August 2026
Hammond sits along the Tangipahoa River, which overflowed catastrophically in August 2016 when 20 to 30 inches of rain fell over two days, flooding tens of thousands of structures across southeast Louisiana and causing most of the state's flood deaths in the Baton Rouge and Hammond area.
Tangipahoa Parish has recorded 4,296 NFIP flood insurance claims since 1978, totaling $176.4M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 6
NFIP Policies
8,724
Tangipahoa Parish
Avg. Premium
$980/yr
Tangipahoa Parish
NFIP Flood Insurance Claims: Tangipahoa Parish
Properties in Tangipahoa Parish have filed 4,296 NFIP flood insurance claims totaling $176.4M in payouts since 1978. The average claim payout is $41K.
Highest-Claim Years
2016
1,696 claims - $98.0M
2021
1,031 claims - $53.6M
2012
345 claims - $10.1M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced August 2026. See national claims data.
Flood Insurance Coverage: Tangipahoa Parish
Only roughly 1 in 6 households in Tangipahoa Parish carries NFIP flood insurance (17% of estimated households).
Penetration Rate
17%
roughly 1 in 6 households
Historical Claims Ratio
1 in 2
4,296 claims over 45+ years across 8,724 current policies
Avg. Claim Payout
$41,056
Per claim, county-wide since 1978
Historically, Tangipahoa Parish has averaged 1 claim for every 2 active policies (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of August 2026, claims since 1978 (August 2026), population from FEMA NRI. All figures are county-wide and include Hammond.
Not sure whether you're required to carry it? See do I need flood insurance?, or compare NFIP vs. private flood insurance.
Repetitive Loss Properties: Tangipahoa Parish
Tangipahoa Parish has 646 properties with multiple flood insurance losses, including 92 severe repetitive loss properties. 63 properties have received FEMA mitigation funding. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced August 2026.
Multiple Loss
646
2+ claims within 10 years
Severe Repetitive Loss
92
4+ claims or 2 exceeding value
Mitigated
63
Received FEMA mitigation
By Flood Zone
Zone data available for 641 of 646 properties.
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced August 2026.
Flood Insurance Discount: Hammond
Hammond has no CRS rating of its own, but it sits in Tangipahoa Parish, which participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 8
SFHA Premium Discount
10% off
CRS classes range from 1 (best) to 10 (no discount). Tangipahoa Parish's Class 8 rating means NFIP policyholders in the SFHA can receive up to a 10% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Source: FEMA Community Rating System, April 2026. Discounts apply to NFIP policies only.
Federal Flood Disaster History: Tangipahoa Parish
Tangipahoa Parish has been included in 39 federal flood-related disaster declarations.
...and 31 earlier declarations since 2012.
These declarations affected communities across Tangipahoa Parish, including Hammond.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced August 2026.
Recorded Flood Events: Tangipahoa Parish
NOAA has recorded 37 flood events in Tangipahoa Parish since 1996, causing $1.1B in damage and 4 deaths.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced August 2026.
Flood Mitigation: Tangipahoa Parish
FEMA has funded mitigation for 264 properties in Tangipahoa Parish, investing $48.0M in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced August 2026.
FEMA Flood Risk Profile: Tangipahoa Parish
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively ModerateEst. annual loss: $34.3M
Coastal Flood Risk
Relatively ModerateEst. annual loss: $817K
Hurricane Risk
Relatively HighEst. annual loss: $54.3M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
What Your Flood Zone Means in Hammond
Hammond faces multiple inland flood threats, including riverine flooding from nearby waterways and flash flooding from intense rainfall overwhelming urban drainage systems. Properties near river corridors face the highest risk, but stormwater backup can affect neighborhoods well outside the mapped floodplain. The most common FEMA flood zone designations in Hammond are Zone X, Zone A, Zone AE. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $34.3M.
With both riverine and urban stormwater flood risk, insurance costs in Hammond depend heavily on a property's elevation relative to nearby waterways and the local drainage infrastructure. FEMA's Risk Rating 2.0 prices in multiple inland flood sources rather than relying on the flood zone line alone. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
Flood zone boundaries in Hammond can shift when FEMA updates its Flood Insurance Studies or when upstream development changes how water moves through the watershed. New stormwater infrastructure or dam modifications can also trigger map revisions. Use our free lookup tool to check the current flood zone for any Hammond address.
Hammond, LA Flood Zone FAQ
What flood zones are in Hammond, LA?
The most common FEMA flood zones in Hammond are Zone X, Zone A, Zone AE. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Hammond?
If your Hammond property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since about a quarter of all NFIP flood claims come from properties outside high-risk zones.
How do I check my flood zone in Hammond?
Enter your Hammond address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does Hammond offer flood insurance discounts?
Hammond itself has no CRS rating, but it sits in Tangipahoa Parish, which participates in FEMA's Community Rating System (CRS) with a Class 8 rating. Residents in the Special Flood Hazard Area qualify for up to a 10% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Hammond experienced major flooding events?
Tangipahoa Parish, where Hammond is located, has been part of 39 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Hurricane Francine in 2024. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Hammond?
Tangipahoa Parish has recorded 4,296 NFIP flood insurance claims totaling $176.4M in payouts since 1978. The year with the most claims was 2016, with 1,696 claims and $98.0M in payouts. These figures cover all NFIP claims in the county, including Hammond.
How many flood insurance policies are active in Hammond?
Tangipahoa Parish currently has 8,724 active NFIP flood insurance policies with an average annual premium of $980. The most policies are in Zone X (4,961 policies). These figures cover all active NFIP policies in the county.
How many Hammond properties have flooded repeatedly?
Tangipahoa Parish has 646 properties with multiple flood losses on record, including 92 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Can my Hammond property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Hammond?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Hammond's Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
Other Louisiana Cities
Understanding Flood Zones
See the Flood Map for Any Hammond, LA Address
Enter a Hammond, LA address to view its FEMA flood map, zone designation, SFHA status, and insurance requirements.
Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on August 2026 and may not reflect the most recent changes. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.