Home Insurance in Gonzales, Louisiana
The median home value in Gonzales is $225,800, 19% lower than the Ascension Parish median.
The typical home in Gonzales was built around 1999. About 8% of homes were built before 1960, about 3 points above Ascension Parish's 5%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Gonzales is 68% single-family homes, 20% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
About 63% of owner-occupied homes in Gonzales have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Gonzales has an owner-occupancy rate of 64% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Gonzales - 72% - are primarily heated with electricity.
Ascension Parish had 13,879 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively High). 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 | $225,800 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)