Home Insurance in St. Tammany Parish, Louisiana
The median home value in St. Tammany Parish is $284,000, 31% higher than the Louisiana median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in St. Tammany Parish was built around 1995. About 4% of homes were built before 1960, about 14 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. Tammany Parish is 80% single-family homes, 9% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
About 65% of owner-occupied homes in St. Tammany Parish have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
St. Tammany Parish has an owner-occupancy rate of 79% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In St. Tammany Parish, 62% of homes are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Very High), inland flooding (Relatively High) and wildfire (Relatively Moderate) as the leading hazards for St. Tammany Parish.
St. Tammany Parish had 40,207 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $284,000 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Hurricane (Very High), Inland Flooding (Relatively High), Wildfire (Relatively Moderate) |
| Active NFIP flood policies (county) | 40,207 |
| 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)