Home Insurance in Donaldsonville, Louisiana
The median home value in Donaldsonville is $185,900, 34% lower than the Ascension Parish median.
The typical home in Donaldsonville was built around 1982. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 23% of homes were built before 1960, about 18 points above Ascension Parish's 5%.
In Donaldsonville, the housing stock is 53% single-family homes, 16% apartments in buildings with 5+ units and 15% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 38% of owner-occupied homes in Donaldsonville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 46% of occupied homes in Donaldsonville are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Donaldsonville - 74% - are primarily heated with electricity.
What's the biggest home insurance risk near Donaldsonville? FEMA's National Risk Index points to hurricane (Relatively High) in Ascension Parish and Ascension Parish had 13,879 active NFIP flood policies as of September 2026. See the full Ascension Parish home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Louisiana is $3,027 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $185,900 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Ascension Parish | 13,879 |
| 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)