Home Insurance in Ascension Parish, Louisiana
With a median home value of $279,600, Ascension Parish is 29% higher than the Louisiana median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Ascension Parish was built around 2002. About 5% of homes were built before 1960, about 13 points below Louisiana's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ascension Parish is 75% single-family homes, 6% apartments in buildings with 5+ units and 17% mobile or manufactured homes.
In Ascension Parish, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Ascension Parish are owner-occupied.
63% of homes in Ascension Parish are primarily heated with electricity.
Per FEMA's National Risk Index, Ascension Parish's top hazards are hurricane (Relatively High), tornado (Relatively High) and coastal flooding (Relatively Moderate).
As of September 2026, Ascension Parish has 13,879 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Louisiana, the statewide average premium for a standard HO-3 homeowners policy is $3,027 per year (NAIC, 2023 data).
Key figures
| Median home value | $279,600 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Tornado (Relatively High), Coastal Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 13,879 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)