Home Insurance in Tangipahoa, Louisiana
The typical home in Tangipahoa was built around 1977. About 8% of homes were built before 1960, in line with Tangipahoa Parish (8%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Tangipahoa is 34% single-family homes and 57% mobile or manufactured homes.
About 47% of owner-occupied homes in Tangipahoa have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Tangipahoa are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Tangipahoa, 62% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Tangipahoa? FEMA's National Risk Index points to hurricane (Relatively High) in Tangipahoa Parish and 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.
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 year built | 1977 |
|---|---|
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)