Home Insurance in Gretna, Louisiana
Homes in Gretna carry a median value of $257,400 - close to the Jefferson Parish median.
The typical home in Gretna was built around 1966. About 37% of homes were built before 1960, about 19 points above Jefferson Parish's 18%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Gretna is 63% single-family homes, 18% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Gretna, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 49% of occupied homes in Gretna are owner-occupied.
Most homes in Gretna - 55% - are primarily heated with electricity.
FEMA rates Jefferson Parish's overall risk as Relatively High, led by hurricane (Very High). 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 | $257,400 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)