Home Insurance in Mermentau, Louisiana
The median home value in Mermentau is $55,300, 64% lower than the Acadia Parish median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Mermentau was built around 1958. About 62% of homes were built before 1960, about 39 points above Acadia Parish's 23%.
The housing stock in Mermentau is 85% single-family homes, 6% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
8% of owner-occupied homes in Mermentau carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mermentau has an owner-occupancy rate of 86% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Mermentau, 83% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Mermentau? FEMA's National Risk Index points to hurricane (Relatively High) in Acadia Parish and Acadia Parish had 2,312 active NFIP flood policies as of September 2026. See the full Acadia Parish home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Louisiana carries a statewide average premium of $3,027 per year.
Key figures
| Median home value | $55,300 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 8% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Acadia Parish | 2,312 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)