Home Insurance in Jean Lafitte, Louisiana
With a median home value of $205,200, Jean Lafitte is 18% lower than the Jefferson Parish median.
The typical home in Jean Lafitte was built around 1992. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 6% of homes were built before 1960, about 11 points below Jefferson Parish's 18%.
The housing stock in Jean Lafitte is 70% single-family homes and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Jean Lafitte, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 85% of occupied homes in Jean Lafitte are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Jean Lafitte, 68% of homes are primarily heated with electricity.
Jefferson Parish had 85,159 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). See the full Jefferson Parish home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Louisiana is $3,027 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $205,200 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)