Home Insurance in St. Bernard Parish, Louisiana
With a median home value of $202,500, St. Bernard Parish is 6% lower than the Louisiana median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in St. Bernard Parish was built around 1981. About 16% of homes were built before 1960, about 2 points below Louisiana's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in St. Bernard Parish is 80% single-family homes, 5% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
56% of owner-occupied homes in St. Bernard Parish carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
St. Bernard Parish has an owner-occupancy rate of 70% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
51% of homes in St. Bernard Parish are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively High), coastal flooding (Relatively Moderate) and tornado (Relatively Low) as the leading hazards for St. Bernard Parish.
As of September 2026, St. Bernard Parish has 8,929 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 | $202,500 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Coastal Flooding (Relatively Moderate), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 8,929 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Sources
- 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)