Home Insurance in St. Mary Parish, Louisiana
With a median home value of $138,900, St. Mary Parish is 36% lower than the Louisiana median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in St. Mary Parish was built around 1976. About 24% of homes were built before 1960, about 6 points above Louisiana's 18%.
In St. Mary Parish, the housing stock is 69% single-family homes, 5% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
35% of owner-occupied homes in St. Mary Parish carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
St. Mary Parish has an owner-occupancy rate of 69% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
65% of homes in St. Mary Parish are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively High), coastal flooding (Relatively High) and tornado (Relatively Moderate) as the leading hazards for St. Mary Parish.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, St. Mary Parish has 2,834 active NFIP flood policies on file.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Louisiana carries a statewide average premium of $3,027 per year.
Key figures
| Median home value | $138,900 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Coastal Flooding (Relatively High), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 2,834 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Towns and cities
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)