Home Insurance in Lockport, Louisiana
With a median home value of $160,800, Lockport is 17% lower than the Lafourche 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 Lockport was built around 1968. About 30% of homes were built before 1960, about 12 points above Lafourche Parish's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lockport is 81% single-family homes, 1% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
About 33% of owner-occupied homes in Lockport have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Lockport are owner-occupied.
Most homes in Lockport - 55% - are primarily heated with natural gas.
Lafourche Parish's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. 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.
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 | $160,800 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)