Louisiana Home Insurance
Louisiana's average cost, dominant risk, and a free replacement-cost estimate — no signup, no quote spam.
Avg. annual premium
$4,500/yr
Dominant risk
Hurricane & flood
Hazard tier
high
Estimate your Louisiana home insurance
Estimated annual home insurance
$2,867
Dwelling = sqft × rebuild cost. Doesn't include flood (NFIP) or earthquake (separate policies).
Louisiana home insurance: what to know
Louisiana faces severe hurricane and flood risk, with high premiums, separate wind deductibles, and heavy reliance on the state Citizens insurer.
Because Louisiana is a high-hazard state for hurricane & flood, expect a separate wind/hail or catastrophe deductible and confirm whether you also need flood or earthquake coverage, which standard policies never include.
Louisiana home insurance FAQ
How much does home insurance cost in Louisiana?
Homeowners insurance in Louisiana averages roughly $4,500 per year, but your rate depends heavily on your home's rebuild cost, construction, claims history, and ZIP code. Use the estimator above and always compare at least three carriers.
What is the biggest home insurance risk in Louisiana?
The dominant natural risk in Louisiana is hurricane & flood. Louisiana faces severe hurricane and flood risk, with high premiums, separate wind deductibles, and heavy reliance on the state Citizens insurer.
Does Louisiana home insurance cover floods and earthquakes?
No. Standard homeowners policies in Louisiana — like everywhere in the U.S. — exclude flood and earthquake damage. Flood coverage comes from a separate NFIP or private flood policy, and earthquake coverage requires a separate policy or endorsement. Given Louisiana's high-hazard profile, check whether you need either before a loss occurs.
How can I lower my home insurance in Louisiana?
Compare at least three carriers, bundle home and auto, and raise your deductible if you can cover it. In a high-hazard state, ask about wind/hail mitigation credits — a fortified roof, storm shutters, or impact glass can cut a hurricane & flood-driven premium meaningfully. Always insure to full replacement cost — under-insuring to save a few dollars backfires at claim time.