Home Insurance in St. James Parish, Louisiana
Homes in St. James Parish carry a median value of $211,800 - close to 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. James Parish was built around 1985. About 18% of homes were built before 1960, in line with Louisiana (18%).
In St. James Parish, the housing stock is 75% single-family homes, 1% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 42% of owner-occupied homes in St. James Parish 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 84% of occupied homes in St. James Parish are owner-occupied.
61% of homes in St. James Parish are primarily heated with electricity.
Per FEMA's National Risk Index, St. James Parish's top hazards are hurricane (Relatively High), coastal flooding (Relatively High) and tornado (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, St. James Parish has 1,074 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 | $211,800 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Coastal Flooding (Relatively High), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 1,074 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Towns and cities
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)