Home Insurance in Tangipahoa Parish, Louisiana
With a median home value of $212,900, Tangipahoa Parish is close to the Louisiana median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Tangipahoa Parish was built around 1993. About 8% of homes were built before 1960, about 10 points below Louisiana's 18%.
In Tangipahoa Parish, the housing stock is 66% single-family homes, 6% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 55% of owner-occupied homes in Tangipahoa Parish have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Tangipahoa Parish are owner-occupied.
In Tangipahoa Parish, 73% of homes are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively High), inland flooding (Relatively Moderate) and tornado (Relatively High) as the leading hazards for Tangipahoa Parish.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Tangipahoa Parish has 7,241 active NFIP flood policies on file.
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 | $212,900 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Inland Flooding (Relatively Moderate), Tornado (Relatively High) |
| Active NFIP flood policies (county) | 7,241 |
| 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)