Home Insurance in Loreauville, Louisiana
With a median home value of $132,400, Loreauville is 20% lower than the Iberia Parish median.
The typical home in Loreauville was built around 1982. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 19% of homes were built before 1960, about 3 points below Iberia Parish's 22%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Loreauville is 70% single-family homes, 6% apartments in buildings with 5+ units and 25% mobile or manufactured homes.
In Loreauville, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 63% of occupied homes in Loreauville are owner-occupied. The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Loreauville - 55% - 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.
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 | $132,400 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)