Home Insurance in Louisiana — Average Cost 2026
Average home insurance in Louisiana: $3,180/year ($265/month). Louisiana ranks #48 out of 51 states — above the national average.
Average annual
$3,180
Average monthly
$265
National rank
#48
of 51 states
vs national avg
+122.7%
Louisiana vs national average
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Why is home insurance expensive in Louisiana?
Louisiana faces elevated home insurance costs due to significant hurricane and wind storm exposure. Insurers price policies to account for the probability and severity of storm damage, which pushes premiums 123% above the national average in Louisiana.
Homeowners in Louisiana should note that standard homeowners policies may not cover flood damage — separate flood insurance through the NFIP or private carriers is typically required for comprehensive protection in hurricane-prone areas.