Home Insurance in Jefferson Parish, Louisiana
With a median home value of $251,400, Jefferson Parish is 16% higher than the Louisiana median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Jefferson Parish was built around 1975. About 18% of homes were built before 1960, in line with Louisiana (18%).
Housing in Jefferson Parish breaks down to 69% single-family homes, 19% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 53% of owner-occupied homes in Jefferson Parish have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Jefferson Parish are owner-occupied.
56% of homes in Jefferson Parish are primarily heated with electricity.
The top hazards for Jefferson Parish, per FEMA's National Risk Index, are hurricane (Very High), hail (Relatively High) and inland flooding (Relatively High).
As of September 2026, Jefferson Parish has 85,159 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $251,400 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Hurricane (Very High), Hail (Relatively High), Inland Flooding (Relatively High) |
| Active NFIP flood policies (county) | 85,159 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)