Home Insurance in Iberville Parish, Louisiana
Homes in Iberville Parish carry a median value of $172,800 - 20% lower than the Louisiana median.
The typical home in Iberville Parish was built around 1986. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 14% of homes were built before 1960, about 5 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 Iberville Parish is 74% single-family homes, 2% apartments in buildings with 5+ units and 21% mobile or manufactured homes.
In Iberville Parish, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 75% of occupied homes in Iberville Parish are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Iberville Parish, 63% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Iberville Parish's top hazards are hurricane (Relatively High), tornado (Relatively Moderate) and coastal flooding (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Iberville Parish has 1,239 active NFIP flood policies on file.
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 | $172,800 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Tornado (Relatively Moderate), Coastal Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 1,239 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Towns and cities
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)