Home Insurance in Breaux Bridge, Louisiana
The median home value in Breaux Bridge is $175,900, 7% higher than the St. Martin Parish median.
The typical home in Breaux Bridge was built around 1980. About 22% of homes were built before 1960, about 6 points above St. Martin Parish's 16%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Breaux Bridge, the housing stock is 77% single-family homes, 5% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Breaux Bridge, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Breaux Bridge has an owner-occupancy rate of 69% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
79% of homes in Breaux Bridge are primarily heated with electricity.
FEMA rates St. Martin Parish's overall risk as Relatively Moderate, led by hurricane (Relatively High). St. Martin Parish had 2,327 active NFIP flood policies as of September 2026. See the full St. Martin Parish home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $175,900 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in St. Martin Parish | 2,327 |
| 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)