Home Insurance in Pearl River, Louisiana
The median home value in Pearl River is $235,200, 17% lower than the St. Tammany Parish median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Pearl River was built around 1993. About 7% of homes were built before 1960, about 3 points above St. Tammany Parish's 4%.
The housing stock in Pearl River is 80% single-family homes and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 60% of owner-occupied homes in Pearl River have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Pearl River has an owner-occupancy rate of 73% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
51% of homes in Pearl River are primarily heated with electricity.
St. Tammany Parish had 40,207 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). 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 | $235,200 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)