Home Insurance in Mandeville, Louisiana
With a median home value of $376,100, Mandeville is 32% higher than the St. Tammany Parish median.
The typical home in Mandeville was built around 1990. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 7% of homes were built before 1960, about 3 points above St. Tammany Parish's 4%.
Housing in Mandeville breaks down to 72% single-family homes, 15% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
66% of owner-occupied homes in Mandeville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 68% of occupied homes in Mandeville are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
60% of homes in Mandeville are primarily heated with electricity.
St. Tammany Parish's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. 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.
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 | $376,100 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)