Home Insurance in Abita Springs, Louisiana
The median home value in Abita Springs is $269,300, 5% lower than the St. Tammany Parish median.
The typical home in Abita Springs was built around 1998. About 12% of homes were built before 1960, about 8 points above St. Tammany Parish's 4%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Abita Springs is 93% single-family homes and 1% apartments in buildings with 5+ units.
75% of owner-occupied homes in Abita Springs carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 90% of occupied homes in Abita Springs are owner-occupied.
Most homes in Abita Springs - 62% - are primarily heated with electricity.
What's the biggest home insurance risk near Abita Springs? FEMA's National Risk Index points to hurricane (Very High) in St. Tammany Parish and St. Tammany Parish had 40,207 active NFIP flood policies as of September 2026. See the full St. Tammany Parish home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Louisiana is $3,027 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $269,300 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 75% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in St. Tammany Parish | 40,207 |
| 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)