Home Insurance in Thibodaux, Louisiana
The median home value in Thibodaux is $232,500, 20% higher than the Lafourche Parish median.
The typical home in Thibodaux was built around 1975. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 30% of homes were built before 1960, about 12 points above Lafourche Parish's 18%.
Housing in Thibodaux breaks down to 71% single-family homes, 12% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 49% of owner-occupied homes in Thibodaux have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Thibodaux has an owner-occupancy rate of 62% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Thibodaux, 73% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Thibodaux? FEMA's National Risk Index points to hurricane (Relatively High) in Lafourche Parish and 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 | $232,500 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)