Home Insurance in Jeanerette, Louisiana
Homes in Jeanerette carry a median value of $98,200 - 40% lower than the Iberia Parish median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Jeanerette was built around 1963. About 44% of homes were built before 1960, about 22 points above Iberia Parish's 22%.
The housing stock in Jeanerette is 81% single-family homes, 6% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 39% of owner-occupied homes in Jeanerette have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Jeanerette are owner-occupied.
In Jeanerette, 48% of homes are primarily heated with electricity.
Iberia Parish's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. Iberia Parish had 3,034 active NFIP flood policies as of September 2026. See the full Iberia 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 | $98,200 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Iberia Parish | 3,034 |
| 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)