Home Insurance in Harahan, Louisiana
Homes in Harahan carry a median value of $343,100 - 36% higher than the Jefferson Parish median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Harahan was built around 1974. About 24% of homes were built before 1960, about 7 points above Jefferson Parish's 18%.
Housing in Harahan breaks down to 79% single-family homes and 9% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 50% of owner-occupied homes in Harahan have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Harahan are owner-occupied.
Most homes in Harahan - 63% - are primarily heated with natural gas.
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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Louisiana carries a statewide average premium of $3,027 per year.
Key figures
| Median home value | $343,100 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)