Does Lower Garden District flood?
Lower Garden District, New Orleans, LA · ZIP code 70130: the ZIP code on 511 of the 547 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Lower Garden District have filed flood claims. About 18% of Lower Garden District’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 547 claims from the Census block groups that cover Lower Garden District, from 1978 through 2021. 255 of them received a payment, totaling $6,924,980 (not adjusted for inflation). The busiest years were 2005 (260 claims), 1995 (74 claims), 1980 (35 claims).
What this page counts as Lower Garden District
We could not find an openly licensed official boundary for Lower Garden District, so this page uses a census-based area. For this page, Lower Garden District means the 2010 Census block groups whose center lies inside the National Register of Historic Places boundary of the Lower Garden District and Lower Garden District (Boundary Increase) (National Park Service). 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 Lower Garden District. Sources: U.S. Census Bureau TIGERweb, 2010 Census Block Groups, National Park Service, National Register of Historic Places boundaries (NRHP polygons) 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 Lower Garden District
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 Lower Garden District
The named streets in Lower Garden District, longest first, with how much of each street’s length inside Lower Garden District lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Lower Garden District; 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. 12 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Tchoupitoulas St | 1.7 mi | 0.0% | X (unshaded, minimal) (100%) |
| Jackson Ave | 1.3 mi | 8.3% | X (unshaded, minimal) (84%) |
| Annunciation St | 1.2 mi | 0.0% | X (unshaded, minimal) (100%) |
| Josephine St | 4,880 ft | 4.2% | X (unshaded, minimal) (64%) |
| Saint Andrew St | 4,870 ft | 1.6% | X (unshaded, minimal) (74%) |
| Saint Mary St | 4,860 ft | 0.0% | X (unshaded, minimal) (62%) |
| Felicity St | 4,670 ft | 2.8% | X (unshaded, minimal) (62%) |
| Saint Thomas St | 4,620 ft | 0.0% | X (unshaded, minimal) (100%) |
| Magazine St | 4,610 ft | 0.0% | X (unshaded, minimal) (100%) |
| Constance St | 4,460 ft | 0.0% | X (unshaded, minimal) (100%) |
| Camp St | 4,010 ft | 0.0% | X (shaded, 0.2% annual chance) (62%) |
| Chippewa St | 3,480 ft | 0.0% | X (unshaded, minimal) (100%) |
| Coliseum Ln | 3,120 ft | 1.1% | X (shaded, 0.2% annual chance) (79%) |
| Melpomene St | 2,980 ft | 0.0% | X (unshaded, minimal) (60%) |
| Prytania St | 2,950 ft | 0.0% | X (shaded, 0.2% annual chance) (78%) |
| Rousseau St | 2,910 ft | 0.0% | X (unshaded, minimal) (100%) |
| Race St | 2,890 ft | 0.0% | X (unshaded, minimal) (80%) |
| Orange St | 2,880 ft | 0.0% | X (unshaded, minimal) (79%) |
| Euterpe St | 2,860 ft | 0.0% | X (unshaded, minimal) (72%) |
| Religious St | 2,850 ft | 0.0% | X (unshaded, minimal) (100%) |
| Terpsichore St | 2,590 ft | 1.6% | X (unshaded, minimal) (60%) |
| Richard St | 2,350 ft | 0.0% | X (unshaded, minimal) (98%) |
| Pontchartrain Expy | 1,920 ft | 0.0% | X (unshaded, minimal) (100%) |
| Market St | 1,860 ft | 0.0% | X (unshaded, minimal) (100%) |
| Soraparu St | 1,780 ft | 0.0% | X (unshaded, minimal) (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 24, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Lower Garden District
Share of Lower Garden District’s mapped area (about 2.084 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Mapped base flood elevations inside the neighborhood range from 3 to 3 feet. Effective date of the FIRM panel(s) covering it (22071C0229F, 22071C0237F, 22071C0241F): September 30, 2016.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 76% |
| AE | 18% |
| X (shaded, 0.2% annual chance) | 5.2% |
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 Lower Garden District. 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 | 17 | $50,707 |
| 1980s | 69 | $317,557 |
| 1990s | 123 | $1,175,414 |
| 2000s | 304 | $4,228,965 |
| 2010s | 28 | $1,113,036 |
| 2020s | 6 | $39,299 |
By year of loss
Named flood events with the most claims
- Hurricane Katrina: 256 claims
- Flooding: 195 claims
- Hurricane Isaac: 16 claims
- Tropical Storm Barry: 9 claims
- Hurricane Lili: 8 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 274
- X/B/C (moderate or minimal): 267
- Not reported: 6
How much is flood insurance in Lower Garden District?
The typical National Flood Insurance Program policy on single-family homes in Lower Garden District costs $1,058 a year: the median of 125 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $931 and $1,204. 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 24, 2026.
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Before you rent or buy in Lower Garden District
- 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 Lower Garden District
Flood maps are only one part of choosing a neighborhood. To compare Lower Garden District with other New Orleans neighborhoods on more than flooding, see New Orleans on StrollPlace.
Buyer and renter FAQ
Does Lower Garden District flood?
Yes. Insured properties in and around Lower Garden District have filed flood claims. About 18% of Lower Garden District’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 547 claims from the Census block groups that cover Lower Garden District, from 1978 through 2021. 255 of them received a payment, totaling $6,924,980 (not adjusted for inflation). The busiest years were 2005 (260 claims), 1995 (74 claims), 1980 (35 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Lower Garden District in a flood zone?
About 18% of Lower Garden District’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) 76%; AE 18%; X (shaded, 0.2% annual chance) 5.2%. The FIRM panel(s) covering it took effect September 30, 2016.
Which streets in Lower Garden District are in a high-risk flood zone?
No street listed here has most of its length in FEMA high-risk zones. Less than 10% of Tchoupitoulas St, Jackson Ave, Annunciation St, Josephine St, Saint Andrew St, Saint Mary St, Felicity St and Saint Thomas St does. Zones can change along a street, so check the exact address.
What ZIP code is Lower Garden District in?
Lower Garden District is in New Orleans, LA. ZIP code 70130: the ZIP code on 511 of the 547 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 Lower Garden District?
The typical NFIP flood insurance policy on single-family homes in Lower Garden District cost $1,058 a year: the median of 125 policies that started between August 1, 2025 and July 31, 2026. Half cost between $931 and $1,204. 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 Garden District flood?
- Does Uptown flood?
- Does Irish Channel flood?
- Does Central City flood?
- Does Algiers Point flood?
- Does French Quarter flood?
How these numbers were made
Area: the census-based definition above, using U.S. Census Bureau TIGERweb, 2010 Census Block Groups, National Park Service, National Register of Historic Places boundaries (NRHP polygons) 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 24, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Orleans Parish (county code 22071), dataset as of September 8, 2026, retrieved October 24, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 220710141002, 220710077002, 220710141003, 220710141001, 220710082002, 220710078001, 220710082001. 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 24, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 24, 2026.
- U.S. Census Bureau TIGERweb, 2010 Census Block Groups, National Park Service, National Register of Historic Places boundaries (NRHP polygons) 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 24, 2026 (flood zones). Page last updated October 25, 2026.