Home Insurance in Lafourche Parish, Louisiana
Homes in Lafourche Parish carry a median value of $193,900 - 10% lower than the Louisiana median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lafourche Parish was built around 1982. About 18% of homes were built before 1960, in line with Louisiana (18%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lafourche Parish is 74% single-family homes, 4% apartments in buildings with 5+ units and 17% mobile or manufactured homes.
45% of owner-occupied homes in Lafourche Parish carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Lafourche Parish are owner-occupied.
In Lafourche Parish, 68% of homes are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively High), tornado (Relatively High) and coastal flooding (Relatively Moderate) as the leading hazards for Lafourche Parish.
As of September 2026, Lafourche Parish has 8,416 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $193,900 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Tornado (Relatively High), Coastal Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 8,416 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Towns and cities
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)