Does Red Oak flood?
Red Oak, Baton Rouge, LA · ZIP code 70815: the ZIP code on 479 of the 485 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Red Oak have filed flood claims. About 44% of Red Oak’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 485 claims from the Census block groups that cover Red Oak, from 1979 through 2026. 416 of them received a payment, totaling $30,312,325 (not adjusted for inflation). The busiest years were 2016 (364 claims), 2021 (17 claims), 1995 (11 claims).
What this page counts as Red Oak
We could not find an openly licensed official boundary for Red Oak, so this page uses a census-based area. For this page, Red Oak means the 2010 Census block groups whose center lies within 1.6 km (1.0 miles) of the U.S. Geological Survey (GNIS) map point for Red Oak (feature 543611), each block group going to the nearest of the places we cover. Every number below is for exactly those block groups (listed in “How these numbers were made”), so the edges are approximate and may include or leave out a few blocks people would call Red Oak. Sources: U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
Past claims do not predict future flooding, and a neighborhood figure cannot tell you about one building. Look up the exact address on the FEMA Flood Map Service Center and get flood insurance quotes before you sign a lease or a contract.
Check a specific address in Red Oak
Neighborhood figures are averages. Our address check looks up the FEMA flood zone at one address, from the same public maps: check if your address is in a flood zone.
Flood zones street by street in Red Oak
The named streets in Red Oak, longest first, with how much of each street’s length inside Red Oak lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Red Oak; the main zone is the FEMA zone covering most of that length. A street can cross several zones, so the zone at one address can differ from the street’s main zone: check the address above for that. 23 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| S Choctaw Dr | 1.6 mi | 0.7% | X (unshaded, minimal) (62%) |
| N Sherwood Forest Dr | 5,000 ft | 0.0% | X (unshaded, minimal) (100%) |
| W Darryl Pkwy | 4,840 ft | 96% | AE (96%) |
| Red Oak Dr | 4,810 ft | 0.0% | X (unshaded, minimal) (100%) |
| W Tams Dr | 4,710 ft | 93% | AE (93%) |
| Monterrey Blvd | 4,540 ft | 96% | AE (96%) |
| Florida Blvd | 4,460 ft | 0.0% | X (unshaded, minimal) (100%) |
| Tams Dr | 4,390 ft | 51% | AE (51%) |
| Darryl Dr | 4,260 ft | 47% | AE (47%) |
| Green Oak Dr | 4,180 ft | 0.0% | X (unshaded, minimal) (100%) |
| Pin Oak St | 4,010 ft | 73% | AE (73%) |
| Cuyhanga Pkwy | 3,850 ft | 76% | AE (76%) |
| Sharp Ln | 3,820 ft | 53% | AE (53%) |
| Black Oak Dr | 3,040 ft | 57% | AE (57%) |
| White Oak Dr | 2,680 ft | 91% | AE (91%) |
| Cletus Dr | 2,600 ft | 84% | AE (84%) |
| Ventura Dr | 2,440 ft | 100% | AE (100%) |
| Gum St | 2,430 ft | 70% | AE (70%) |
| Acorn St | 2,360 ft | 51% | AE (51%) |
| Gerald Dr | 2,250 ft | 100% | AE (100%) |
| N Ventura Dr | 1,970 ft | 100% | AE (100%) |
| N Harvey Dr | 1,800 ft | 0.0% | X (unshaded, minimal) (100%) |
| W Coronado Dr | 1,760 ft | 100% | AE (100%) |
| Presidio Dr | 1,750 ft | 100% | AE (100%) |
| El Cajon Dr | 1,740 ft | 100% | AE (100%) |
Streets: U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads). Flood zones: FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, retrieved October 25, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Red Oak
Share of Red Oak’s mapped area (about 3.323 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Effective date of the FIRM panel(s) covering it (22033C0255F, 22033C0260E): May 2, 2008, June 19, 2012.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 51% |
| AE | 44% |
| X (shaded, 0.2% annual chance) | 4.6% |
What the zones mean
- Zone AE (and A, AH, AO)
- High-risk: part of the Special Flood Hazard Area (SFHA), the area FEMA maps as having a 1-percent chance of flooding in any given year (the “100-year” or base flood). AE areas have a mapped base flood elevation.
- Zone VE (and V)
- High-risk coastal areas, also in the SFHA, where the base flood is expected to bring additional hazards from storm waves.
- Zone X (shaded)
- Moderate hazard: between the limits of the 1-percent and the 0.2-percent-annual-chance (“500-year”) flood.
- Zone X (unshaded)
- Minimal hazard: outside the SFHA and higher than the 0.2-percent-annual-chance flood elevation. Minimal is not zero: flood claims are filed from X zones too.
Source: FEMA Glossary: Flood Zones.
Flood insurance claims over time
Claims filed under the National Flood Insurance Program (NFIP) from the 2010 Census block groups that cover Red Oak. This area is made of whole block groups, so every claim counted here comes from inside it. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1970s | 5 | $23,068 |
| 1980s | 16 | $92,837 |
| 1990s | 23 | $82,816 |
| 2000s | 26 | $163,625 |
| 2010s | 379 | $29,474,023 |
| 2020s | 36 | $475,957 |
By year of loss
Named flood events with the most claims
- Mid-summer severe storms: 363 claims
- Flooding: 20 claims
- 2021 Mid-Spring Severe Storms: 10 claims
- Hurricane Delta: 7 claims
- Hurricane Ida: 5 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 442
- X/B/C (moderate or minimal): 35
- Not reported: 7
- V/VE (coastal high hazard): 1
How much is flood insurance in Red Oak?
The typical National Flood Insurance Program policy on single-family homes in Red Oak costs $494 a year: the median of 520 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $438 and $582. That is the full amount paid for the year, the premium plus FEMA’s fees and surcharges, and every one of these policies is priced under Risk Rating 2.0. A quote for one building can be far from this: its elevation, foundation, age, coverage and deductible all change the price. Private flood insurance is not included.
Source: FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3, computed October 25, 2026.
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Before you rent or buy in Red Oak
- Look up the exact address on the FEMA Flood Map Service Center; a neighborhood can mix high-risk and minimal-hazard zones.
- Ask the landlord or seller about past flooding and flood insurance claims at the property.
- Get a flood insurance quote early: new NFIP policies usually take 30 days to start (FloodSmart (NFIP): Buy a Flood Insurance Policy).
- Ask which floor the unit is on and where parking, storage and mechanical equipment sit.
Living in Red Oak
Flood maps are only one part of choosing a neighborhood. To compare Red Oak with other Baton Rouge neighborhoods on more than flooding, see Baton Rouge on StrollPlace.
Buyer and renter FAQ
Does Red Oak flood?
Yes. Insured properties in and around Red Oak have filed flood claims. About 44% of Red Oak’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 485 claims from the Census block groups that cover Red Oak, from 1979 through 2026. 416 of them received a payment, totaling $30,312,325 (not adjusted for inflation). The busiest years were 2016 (364 claims), 2021 (17 claims), 1995 (11 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Red Oak in a flood zone?
About 44% of Red Oak’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. Shares by zone: X (unshaded, minimal) 51%; AE 44%; X (shaded, 0.2% annual chance) 4.6%. The FIRM panel(s) covering it took effect May 2, 2008, June 19, 2012.
Which streets in Red Oak are in a high-risk flood zone?
Most of the length of W Darryl Pkwy, W Tams Dr, Monterrey Blvd, Tams Dr, Pin Oak St, Cuyhanga Pkwy, Sharp Ln, Black Oak Dr, White Oak Dr, Cletus Dr, Ventura Dr and Gum St lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of S Choctaw Dr, N Sherwood Forest Dr, Red Oak Dr, Florida Blvd, Green Oak Dr and N Harvey Dr does. Zones can change along a street, so check the exact address.
What ZIP code is Red Oak in?
Red Oak is in Baton Rouge, LA. ZIP code 70815: the ZIP code on 479 of the 485 flood insurance claims counted here. ZIP codes do not follow neighborhood lines. Check the specific address for its own flood zone.
Do renters need flood insurance?
Standard renters policies usually do not cover flood. Renters in a community that participates in the NFIP can buy contents-only flood coverage, up to $100,000 for belongings.
How long does a new flood policy take to start?
A new NFIP policy generally takes effect 30 days after purchase. Exceptions include no wait when the policy is bought while making, increasing, extending or renewing a mortgage, and a one-day wait in a newly designated high-risk zone within 12 months of the map change.
How much coverage can NFIP provide?
For a one-to-four family home, NFIP building coverage goes up to $250,000 and contents coverage up to $100,000. You can buy flood insurance even if you are not in a high-risk zone, as long as your community participates in the NFIP.
How much is flood insurance in Red Oak?
The typical NFIP flood insurance policy on single-family homes in Red Oak cost $494 a year: the median of 520 policies that started between August 1, 2025 and July 31, 2026. Half cost between $438 and $582. One building’s quote can be far from this; its elevation, foundation, age, coverage and deductible all change the price.
FAQ sources: FloodSmart (NFIP): Buy a Flood Insurance Policy; FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025); 44 CFR 61.11, Effective date and time of coverage.
Nearby neighborhoods
- Does Ashley flood?
- Does Oak Park flood?
- Does Sherwood Forest flood?
- Does Park Forest flood?
- Does Oak Hill flood?
- Does Sharp flood?
How these numbers were made
Area: the census-based definition above, using U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names. Flood zone shares: the area polygon intersected with FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, area computed in an equal-area projection; retrieved October 25, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for East Baton Rouge Parish (county code 22033), dataset as of September 8, 2026, retrieved October 25, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 220330036012, 220330036032, 220330036031. Neighboring pages can share a block group, so their counts can overlap. Paid totals add building, contents and Increased Cost of Compliance payments and are not adjusted for inflation; a claim whose FEMA record shows a negative payment (an adjustment) counts as zero. See the methodology.
Sources
- Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on October 25, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 25, 2026.
- U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
- FEMA Glossary: Flood Zones.
- FloodSmart (NFIP): Buy a Flood Insurance Policy.
- FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
- 44 CFR 61.11, Effective date and time of coverage.
- OpenFEMA Terms and Conditions.
- FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
- U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads).
Data as of September 8, 2026 (FEMA claims) and October 25, 2026 (flood zones). Page last updated October 25, 2026.