Home Insurance in Berwick, Louisiana
The median home value in Berwick is $212,400, 53% higher than the St. Mary Parish median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Berwick was built around 1983. About 12% of homes were built before 1960, about 12 points below St. Mary Parish's 24%.
The housing stock in Berwick is 66% single-family homes, 14% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 50% of owner-occupied homes in Berwick 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 70% of occupied homes in Berwick are owner-occupied.
Most homes in Berwick - 73% - are primarily heated with electricity.
St. Mary Parish's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. St. Mary Parish had 2,834 active NFIP flood policies as of September 2026. See the full St. Mary 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 | $212,400 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in St. Mary Parish | 2,834 |
| 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)