Home Insurance in Henderson, Louisiana
The median home value in Henderson is $93,800, 43% lower than the St. Martin Parish median.
The typical home in Henderson was built around 1980. About 18% of homes were built before 1960, about 2 points above St. Martin Parish's 16%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Henderson, the housing stock is 61% single-family homes, 2% apartments in buildings with 5+ units and 37% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Henderson, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 70% of occupied homes in Henderson are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Henderson, 87% of homes are primarily heated with electricity.
St. Martin Parish's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. 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 | $93,800 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 30% |
| 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)