Home Insurance in St. Gabriel, Louisiana
Homes in St. Gabriel carry a median value of $239,200 - 38% higher than the Iberville Parish median.
The typical home in St. Gabriel was built around 2004. About 1% of homes were built before 1960, about 13 points below Iberville Parish's 14%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in St. Gabriel is 72% single-family homes, 7% apartments in buildings with 5+ units and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 75% of owner-occupied homes in St. Gabriel have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 71% of occupied homes in St. Gabriel are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in St. Gabriel - 59% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $239,200 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)