Home Insurance in Grand Isle, Louisiana
The median home value in Grand Isle is $269,500, 7% higher than the Jefferson Parish median.
The typical home in Grand Isle was built around 1981. About 11% of homes were built before 1960, about 7 points below Jefferson Parish's 18%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Grand Isle is 79% single-family homes, 2% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
In Grand Isle, about 24% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Grand Isle has an owner-occupancy rate of 87% and a vacancy rate of 77%; unoccupied homes typically need a different coverage form.
76% of homes in Grand Isle are primarily heated with electricity.
What's the biggest home insurance risk near Grand Isle? FEMA's National Risk Index points to hurricane (Very High) in Jefferson Parish and Jefferson Parish had 85,159 active NFIP flood policies as of September 2026. See the full Jefferson 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 | $269,500 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Jefferson Parish | 85,159 |
| 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)