Home Insurance in Roseland, Louisiana
Homes in Roseland carry a median value of $112,500 - 47% lower than the Tangipahoa Parish median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Roseland was built around 1983. About 10% of homes were built before 1960, about 1 point above Tangipahoa Parish's 8%.
In Roseland, the housing stock is 66% single-family homes and 28% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Roseland, about 11% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Roseland are owner-occupied.
In Roseland, 68% of homes are primarily heated with natural gas.
FEMA rates Tangipahoa Parish's overall risk as Relatively Moderate, led by hurricane (Relatively High). 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.
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 | $112,500 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 11% |
| 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)