Home Insurance in Grosse Tete, Louisiana
The median home value in Grosse Tete is $160,900, 7% lower than the Iberville Parish median.
The typical home in Grosse Tete was built around 1984. About 14% of homes were built before 1960, in line with Iberville Parish (14%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Grosse Tete is 59% single-family homes and 38% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 60% of owner-occupied homes in Grosse Tete have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Grosse Tete has an owner-occupancy rate of 79% and a vacancy rate of 36%; unoccupied homes typically need a different coverage form.
70% of homes in Grosse Tete are primarily heated with electricity.
Iberville Parish's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. Iberville Parish had 1,239 active NFIP flood policies as of September 2026. See the full Iberville 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 | $160,900 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Iberville Parish | 1,239 |
| 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)