Home Insurance in Plaquemines Parish, Louisiana
Homes in Plaquemines Parish carry a median value of $282,900 - 31% higher than the Louisiana median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Plaquemines Parish was built around 1997. About 5% of homes were built before 1960, about 13 points below Louisiana's 18%.
In Plaquemines Parish, the housing stock is 62% single-family homes, 1% apartments in buildings with 5+ units and 28% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
51% of owner-occupied homes in Plaquemines Parish carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 76% of occupied homes in Plaquemines Parish are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Plaquemines Parish - 63% - are primarily heated with electricity.
Per FEMA's National Risk Index, Plaquemines Parish's top hazards are hurricane (Relatively High), coastal flooding (Relatively High) and tornado (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Plaquemines Parish has 4,340 active NFIP flood policies on file.
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 | $282,900 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Coastal Flooding (Relatively High), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 4,340 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
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)