Home Insurance in Plaquemine, Louisiana
The median home value in Plaquemine is $176,300, close to the Iberville Parish median.
The typical home in Plaquemine was built around 1969. About 28% of homes were built before 1960, about 14 points above Iberville Parish's 14%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Plaquemine is 91% single-family homes, 1% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Plaquemine, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 77% of occupied homes in Plaquemine are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
52% of homes in Plaquemine 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.
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 | $176,300 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)