Home Insurance in Golden Meadow, Louisiana
With a median home value of $141,600, Golden Meadow is 27% lower than the Lafourche Parish median.
The typical home in Golden Meadow was built around 1960. About 51% of homes were built before 1960, about 33 points above Lafourche 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 Golden Meadow is 88% single-family homes, 4% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Golden Meadow, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Golden Meadow has an owner-occupancy rate of 77% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
65% of homes in Golden Meadow are primarily heated with electricity.
FEMA rates Lafourche Parish's overall risk as Relatively Moderate, led by hurricane (Relatively High). Lafourche Parish had 8,416 active NFIP flood policies as of September 2026. See the full Lafourche 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 | $141,600 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Lafourche Parish | 8,416 |
| 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)