Home Insurance in Madisonville, Louisiana
Homes in Madisonville carry a median value of $399,600 - 41% higher than the St. Tammany Parish median.
The typical home in Madisonville was built around 1994. About 30% of homes were built before 1960, about 25 points above St. Tammany Parish's 4%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Madisonville is 96% single-family homes.
73% of owner-occupied homes in Madisonville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Madisonville has an owner-occupancy rate of 88% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
68% of homes in Madisonville are primarily heated with natural gas.
What's the biggest home insurance risk near Madisonville? 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.
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 | $399,600 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)