What is the average cost of homeowners insurance in Louisiana?

Home insurance in Louisiana costs an average of $3,657 per year for a policy with $300,000 in dwelling coverage, making the Pelican State one of the most expensive places to insure a home in the U.S. Average home insurance premiums are relatively high here because of the state’s coastal positioning and frequent severe weather. Regularly subjected to hurricanes, heavy rainfall, and flooding, storms in Louisiana have historically caused expensive damage, which drives up the risk of insuring homes here — as well as the cost of coverage. 

Other factors also affect insurance costs. Inflation is a primary driver. As the price of building materials and skilled labor rises, the cost to repair or replace a home increases. These elevated costs can lead to higher payouts for approved insurance claims, which impacts the cost of coverage for all policyholders.

How much is homeowners insurance in Louisiana?

The average cost of home insurance in Louisiana is $305 per month or $3,657 per year for a policy with $300,000 in dwelling coverage. However, your premium will vary depending on your ZIP code, your home’s age and building materials, your claims history, the amount of coverage you need, and the deductibles you select, among other factors.

The broader your coverage and the higher your policy limits, the more you will pay. The table below outlines average costs across several dwelling limits.

Average premiums for Kin home insurance customers as of January 2026. 

Note that dwelling coverage is the part of your policy that pays to rebuild the physical structure of your home. This limit should reflect your home's estimated replacement cost, which considers the current cost of labor and materials, rather than the price you could sell your home for today.

Average cost of home insurance in Louisiana by region

Where you live is the most important factor in determining your premium in Louisiana. Homes in coastal or low-lying parishes are more likely to suffer damage from hurricanes and floods. Because these areas are riskier to insure, homeowners often face higher costs than those in the northern parts of the state.

Home insurance in high-risk areas in Louisiana

The high-risk nature of insuring homes in certain parts of Louisiana has caused some insurance companies to stop extending coverage to new homes or to pull out of the state entirely. If you aren’t approved for coverage by a private company, you may be able to secure a policy through the Louisiana Citizens Property Insurance Corporation — the state’s insurer of last resort.

Factors that impact the cost of home insurance in Louisiana

Several factors contribute to higher-than-average home insurance premiums in Louisiana.

• Natural disasters: Louisiana is a high-risk state for hurricanes, tropical storms, and severe flooding. Because these events happen often and cause widespread damage, insurance companies charge higher rates to cover the potential for large claims.
• Rebuilding costs: When a disaster strikes, the demand for construction materials like lumber and shingles spikes. Inflation has pushed up the price of these materials and the cost of skilled labor, making it more expensive for insurers to repair or replace homes.
• Reinsurance challenges: Reinsurance is insurance for insurance companies. To protect against losing too much money after a disaster, Louisiana insurers buy their own coverage. When the global cost of reinsurance goes up, those costs are often passed down to home insurance customers.
• Roof age and condition: Insurers are increasingly focused on roof health. An older roof is more likely to fail during a storm, so companies often charge higher premiums or require specialized inspections for homes with aging roofs.

How to lower the cost of home insurance in Louisiana

While Louisiana has some of the highest rates in the country, you can take specific steps to potentially lower your premium.

• Louisiana Fortify Homes Program: This state-run program offers grants of up to $10,000 to help homeowners upgrade their roofs to a stronger standard. A roof that meets the Fortified standard could earn you an insurance discount of up to 40%.
• Wind mitigation improvements: Adding features like water barriers, roof bracing, and window protections — often called home hardening — can lower your risk. Louisiana law requires insurance companies to give you a discount if your home has these safety features.
• Raise your deductible: Your deductible is the amount of damage you agree to cover out of pocket in the event of an approved claim. Choosing a higher deductible, like $2,500 instead of $1,000, will lower your monthly premium. Just make sure to select an amount you could pay at a moment’s notice.
• Bundle your policies: Most insurance companies will give you a multi-policy discount if you buy multiple insurance products — like home and auto coverage — from them.

Frequently asked questions

Why is homeowners insurance so expensive in Louisiana?

Louisiana has some of the highest insurance rates in the country because it is frequently hit by severe storms that cause expensive, widespread damage. Additionally, as some insurance companies exit the state, the remaining "risk pool" becomes more concentrated. With fewer companies available to share the state's total risk, those that remain must account for a higher potential for losses. To maintain the financial stability needed to pay out future claims, these insurers often have to adjust their prices to reflect this increased responsibility.

Do I need flood insurance in Louisiana?

If you have a mortgage and live in a government-designated flood zone, your lender will likely require you to buy flood coverage in Louisiana. But even if it’s not required, it’s a good idea.

Standard home insurance does not cover flood damage from rising water or storm surges. To be covered for flood damage, homeowners must add a flood endorsement to their home insurance policy or purchase separate flood insurance coverage.

Are hurricanes covered by Louisiana home insurance?

Most policies cover damage from hurricane winds, such as torn-off shingles or broken windows. However, you’ll likely have to pay a special hurricane deductible — typically 2% to 5% of the dwelling coverage limit. Importantly, standard home insurance does not cover damage caused by flooding that results from a hurricane. For that, you need flood insurance.