"According to newly released American Community Survey (ACS) data from the U.S. Census Bureau, Louisiana homeowners with a mortgage typically pay $2,000-$2,499 annually for homeowners insurance, while those without a mortgage average $1,000-$1,499. Overall statewide costs fall into the $1,500-$1,999 range. Louisiana has 1,258,598 insured homeowner households in total-651,366 with a mortgage and 607,232 without. Among mortgaged owners, 64,177 pay less than $100 annually and 168,576 pay $4,000 or more."
"Data from the U.S. Census Bureau and the Realtor.com® 2025 Climate Risk Report confirm that affordability pressures in Louisiana far exceed those in most nearby states. Compared with nearby states, Louisiana stands out for its high costs. Texas homeowners with a mortgage also pay $2,000-$2,499, with many reporting premiums over $4,000. Florida falls into the same category, with costs far above the national average."
Louisiana homeowners pay among the highest homeowners insurance premiums in the United States because of elevated hurricane, flood, and severe weather risk. Homeowners with a mortgage typically pay $2,000–$2,499 annually, while those without a mortgage typically pay $1,000–$1,499; statewide costs fall into the $1,500–$1,999 range. The state has 1,258,598 insured homeowner households: 651,366 with mortgages and 607,232 without. Among mortgaged owners, 64,177 pay under $100 and 168,576 pay $4,000 or more. Among non-mortgaged owners, 203,093 pay under $100 and 92,060 pay $4,000 or more. Nearby states such as Texas and Florida also report very high premiums.
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