Laplace, Louisiana Flood Zones
Laplace in St. John the Baptist Parish was catastrophically flooded by Hurricane Ida in 2021 when Lake Pontchartrain surge overwhelmed the community. The low-lying area between the lake and the Mississippi River levee has extreme flood exposure.
FEMA Flood Risk Profile: St. John the Baptist County
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 LowEst. annual loss: $8.5M
Coastal Flood Risk
Relatively ModerateEst. annual loss: $1.7M
Hurricane Risk
Relatively HighEst. annual loss: $27.6M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: St. John the Baptist (Parish) County
St. John the Baptist (Parish) County has been included in 37 federal flood-related disaster declarations.
...and 29 earlier declarations since 2008.
These declarations affected communities across St. John the Baptist (Parish) County, including Laplace.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: St. John the Baptist County
Properties in St. John the Baptist County have filed 8,974 NFIP flood insurance claims totaling $653.9M in payouts since 1978. The average claim payout is $73K.
Highest-Claim Years
2021
3,652 claims - $375.2M
2012
3,385 claims - $256.0M
2005
751 claims - $4.0M
Claims by Flood Zone
Zone AE
4,301
Zone X
3,013
Zone A
1,532
Zone V
32
Zone VE
26
Source: OpenFEMA NFIP Claims API. Data sourced February 2026.
Common Flood Zones in Laplace
Properties in Laplace, LA are commonly designated in these FEMA flood zones:
What Your Flood Zone Means in Laplace
Laplace is primarily at risk from coastal flooding, including hurricane storm surge, tidal flooding, and wave action. Coastal storms can push seawater inland with little warning, and properties in VE (Velocity) zones face the most severe exposure to breaking waves. The most common FEMA flood zone designations in Laplace are Zone AE, Zone VE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $8.5M. Properties in Laplace's VE zones face additional wave action risk beyond still-water flooding, which typically results in higher insurance premiums and stricter building requirements.
Coastal flood insurance premiums in Laplace are typically higher than inland areas due to the destructive force of storm surge and wave action. Properties in VE zones face the highest premiums because wave damage compounds the risk beyond still-water flooding. 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.
Coastal flood maps are among the most frequently updated in the FEMA system, as shoreline erosion and new storm surge modeling refine the boundaries. Letters of Map Revision (LOMR) may shift VE and AE zone boundaries after major storms or updated coastal studies. Use our free lookup tool to check the current flood zone for any Laplace address.
Check Your Laplace Address
Enter any Laplace, LA address to instantly see its FEMA flood zone, risk level, and whether flood insurance is required.
Free Flood Zone LookupLaplace, LA Flood Zone FAQ
What flood zones are in Laplace, LA?
The most common FEMA flood zones in Laplace are Zone AE, Zone VE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Laplace?
If your Laplace 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 25% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Laplace?
Enter your Laplace 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.
What type of flooding affects Laplace?
Laplace is primarily affected by coastal flooding including storm surge and wave action. The most common FEMA flood zone designations are Zone AE, Zone VE, Zone X. Use the free lookup tool above to check the specific flood zone for any Laplace address.
Has Laplace experienced major flooding events?
St. John the Baptist (Parish) County, where Laplace is located, has been part of 37 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 Laplace?
St. John the Baptist County has recorded 8,974 NFIP flood insurance claims totaling $653.9M in payouts since 1978. The year with the most claims was 2021, with 3,652 claims and $375.2M in payouts. These figures cover all NFIP claims in the county, including Laplace.
Sources
This page summarizes information from FEMA and other official resources in plain language. For full technical details, see the links below.
- FEMA National Flood Hazard LayerDirect Source
The NFHL is the source of all flood zone data shown on this page.
- FEMA Map Service Center — Search by AddressDirect Source
Look up any address to view FIRM panels, FIS reports, and LOMCs.
- NFHL Data and Map StatusTopic Page
View NFHL coverage and data freshness by state and community.
- FEMA National Risk Index — Data ResourcesDirect Source
County-level risk scores for inland flooding, coastal flooding, and hurricane used in the Flood Risk Profile.
- OpenFEMA Disaster Declarations Summaries API v2Direct Source
Federal disaster declarations filtered for flood-related incident types (Flood, Hurricane, Severe Storm, Coastal Storm).
- OpenFEMA FIMA NFIP Claims API v2Direct Source
Historical NFIP flood insurance claims since 1978, aggregated by county and state. Includes claim counts, payouts, and flood zone breakdowns.
Sources last verified: February 2026