Home Insurance in St. John the Baptist Parish, Louisiana
With a median home value of $193,200, St. John the Baptist Parish is 11% lower than the Louisiana median.
The typical home in St. John the Baptist Parish was built around 1984. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 12% of homes were built before 1960, about 6 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. John the Baptist Parish is 83% single-family homes, 3% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
About 53% of owner-occupied homes in St. John the Baptist Parish have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in St. John the Baptist Parish are owner-occupied.
74% of homes in St. John the Baptist Parish are primarily heated with electricity.
Per FEMA's National Risk Index, St. John the Baptist Parish's top hazards are hurricane (Relatively High), tornado (Relatively Moderate) and coastal flooding (Relatively Moderate).
As of September 2026, St. John the Baptist Parish has 5,718 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $193,200 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Tornado (Relatively Moderate), Coastal Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 5,718 |
| 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)