Home Insurance in Westwego, Louisiana
Homes in Westwego carry a median value of $177,400 - 29% lower 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 Westwego was built around 1970. About 32% of homes were built before 1960, about 14 points above Jefferson Parish's 18%.
Housing in Westwego breaks down to 74% single-family homes and 17% apartments in buildings with 5+ units.
In Westwego, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 51% of occupied homes in Westwego are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
64% of homes in Westwego are primarily heated with electricity.
What's the biggest home insurance risk near Westwego? 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 | $177,400 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)