Home insurance costs & natural hazards in Louisiana
Plain facts for Louisiana homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
Louisiana at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in Louisiana pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
The typical Louisiana ZIP code saw homeowners premiums of $2,438 per policy in 2022, 57% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 6% between 2018 and 2022. The figures come from 337 Louisiana ZIP codes in Treasury's data.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. 336,173 single-family NFIP policies took effect in Louisiana in 2025, at an average full cost of $1,162, compared with $855 in 2022. About 49% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of Louisiana's 64 counties FEMA rates relatively high or very high for each hazard. The most widespread are lightning, hurricane and ice storm. Open any county for its full hazard profile.
Hazards across Louisiana's counties
Louisiana counties
All 64 parishes: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Acadia Parish | $2,363 | $1,188 | Relatively Moderate |
| Allen Parish | $2,117 | $920 | Relatively Low |
| Ascension Parish | $2,546 | $957 | Relatively Moderate |
| Assumption Parish | $2,665 | $1,264 | Relatively Low |
| Avoyelles Parish | $1,965 | $504 | Relatively Low |
| Beauregard Parish | $2,237 | $1,107 | Relatively Low |
| Bienville Parish | $1,725 | — | Very Low |
| Bossier Parish | $1,777 | $518 | Relatively Moderate |
| Caddo Parish | $1,838 | $820 | Relatively Moderate |
| Calcasieu Parish | $2,708 | $1,379 | Relatively High |
| Caldwell Parish | $1,833 | $514 | Very Low |
| Cameron Parish | $4,093 | $1,932 | Very Low |
| Catahoula Parish | $1,920 | $476 | Very Low |
| Claiborne Parish | $1,630 | $1,258 | Very Low |
| Concordia Parish | $1,842 | $466 | Very Low |
| De Soto Parish | $1,841 | $742 | Very Low |
| East Baton Rouge Parish | $2,431 | $765 | Relatively High |
| East Carroll Parish | $2,113 | $559 | Very Low |
| East Feliciana Parish | $2,494 | $1,208 | Relatively Low |
| Evangeline Parish | $2,048 | $845 | Relatively Low |
| Franklin Parish | $2,015 | $651 | Very Low |
| Grant Parish | $1,794 | $947 | Very Low |
| Iberia Parish | $2,535 | $1,462 | Relatively Moderate |
| Iberville Parish | $2,584 | $896 | Relatively Low |
| Jackson Parish | $1,973 | $903 | Very Low |
| Jefferson Davis Parish | $2,602 | $1,355 | Relatively Low |
| Jefferson Parish | $3,556 | $1,241 | Relatively High |
| LaSalle Parish | $1,788 | $1,011 | Very Low |
| Lafayette Parish | $2,282 | $992 | Relatively High |
| Lafourche Parish | $3,245 | $1,405 | Relatively Moderate |
| Lincoln Parish | $2,033 | $1,070 | Relatively Low |
| Livingston Parish | $2,374 | $1,342 | Relatively High |
| Madison Parish | $2,022 | $593 | Very Low |
| Morehouse Parish | $2,247 | $721 | Relatively Low |
| Natchitoches Parish | $1,928 | $730 | Relatively Low |
| Orleans Parish | $4,025 | $1,172 | Relatively High |
| Ouachita Parish | $2,107 | $634 | Relatively Moderate |
| Plaquemines Parish | $4,353 | $1,437 | Relatively Low |
| Pointe Coupee Parish | $2,470 | $496 | Relatively Low |
| Rapides Parish | $1,793 | $623 | Relatively Moderate |
| Red River Parish | $1,896 | $563 | Very Low |
| Richland Parish | $2,153 | $595 | Very Low |
| Sabine Parish | $1,727 | $1,227 | Relatively Low |
| St. Bernard Parish | $3,096 | $1,082 | Relatively Low |
| St. Charles Parish | $3,118 | $1,236 | Relatively Moderate |
| St. Helena Parish | $2,471 | $1,094 | Very Low |
| St. James Parish | $2,879 | $1,090 | Relatively Low |
| St. John the Baptist Parish | $2,939 | $1,494 | Relatively Moderate |
| St. Landry Parish | $2,224 | $957 | Relatively Moderate |
| St. Martin Parish | $2,388 | $1,048 | Relatively Moderate |
| St. Mary Parish | $3,051 | $1,642 | Relatively Moderate |
| St. Tammany Parish | $3,057 | $1,359 | Relatively High |
| Tangipahoa Parish | $2,562 | $1,134 | Relatively Moderate |
| Tensas Parish | $2,507 | $533 | Very Low |
| Terrebonne Parish | $3,156 | $1,535 | Relatively Moderate |
| Union Parish | $1,827 | $1,350 | Relatively Low |
| Vermilion Parish | $2,643 | $1,556 | Relatively Moderate |
| Vernon Parish | $1,862 | $1,150 | Relatively Low |
| Washington Parish | $2,475 | $1,161 | Relatively Moderate |
| Webster Parish | $1,695 | $1,250 | Relatively Low |
| West Baton Rouge Parish | $2,402 | $626 | Very Low |
| West Carroll Parish | $1,822 | $560 | Very Low |
| West Feliciana Parish | $2,643 | $1,206 | Very Low |
| Winn Parish | $2,015 | $961 | Very Low |
ZIP codes with the most flood policies
Practical next steps
Simple things Louisiana homeowners can do with this information.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.