Home Insurance in Amite City, Louisiana
With a median home value of $112,800, Amite City is 47% lower than the Tangipahoa Parish median.
The typical home in Amite City was built around 1972. About 31% of homes were built before 1960, about 22 points above Tangipahoa Parish's 8%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Amite City is 79% single-family homes, 3% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
In Amite City, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 48% of occupied homes in Amite City are owner-occupied.
In Amite City, 78% of homes are primarily heated with electricity.
Tangipahoa Parish's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. Tangipahoa Parish had 7,241 active NFIP flood policies as of September 2026. See the full Tangipahoa 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 | $112,800 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Tangipahoa Parish | 7,241 |
| 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)