Louisiana Homeowners Insurance

Compiled by PlainInsure · May 15, 2026

U.S. Treasury FIO data for 337 ZIP codes in Louisiana (LA).

The verdict

According to U.S. Treasury FIO filings, Louisiana ranks #4 of 51 by average premium ($2,539/yr) ≠ #5 of 50 by nonrenewal (1.98%). Cost rank is not withdrawal rank.

$2,539
State avg premium (#4 of 51): #5
Nonrenewal of 50 (1.98%): 70130
In-state premium ZIP #1 ($8,306): 70125
In-state nonrenewal ZIP #1 (9.95%)

Premium rank counts states with a reported average premium, highest first, abbreviation tiebreak. Nonrenewal rank counts states that publish a rate. In-state ZIP #1s are separate extracts.

Louisiana vs all states by ZIP-mean homeowners premium

Where this state's average ZIP premium sits among every state that reports one (lower is better for homeowners)

$2,539 Higher than most lower premium than 6% of 51 states

States, banded by ZIP-mean annual homeowners premium (FIO)

Each bar is a $0.001K-wide band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source U.S. Treasury FIO Homeowners Insurance Markets Report · 2022

Source: U.S. Department of the Treasury, Federal Insurance Office, "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Each state figure on this page is the 2022 average across the state's ZIP codes, counting every ZIP once; the change figures compare 2018 with 2022. See methodology for how the state rank and national comparison are calculated.

How Louisiana Compares

Premium vs National

43% above

$2,539 vs the national $1,776 per year

Premium Change

+5.6%

2018-2022 change, 25th of 51 states on growth

Avg Loss Ratio (2022)

104.0%

Claims paid vs premiums earned

National 58.0%: insurers pay out more per premium dollar here

Nonrenewal Change

+209.0%

2018-2022 change in the share of policies insurers decline to renew

Data Snapshot: Louisiana Homeowners Insurance

The Louisiana figures above are a plain mean of ZIP-level averages for 2022, in which a ZIP of a few hundred people counts the same as one of tens of thousands. Weighting each ZIP by its population, closer to what a typical Louisiana homeowner pays, gives $3,597 per year.

Nonrenewal, the share of policies insurers decline to extend at expiration, is averaged across the Louisiana ZIP codes that report one.

Within Louisiana, premium dispersion across ZIP codes is substantial: the most expensive ZIP (70130 in New Orleans) charges 433% more than the least expensive (71108 in Shreveport), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is a FIO registry extract, not a quote or a recommendation.

How to read these figures: state averages on this page are computed from U.S. Treasury Federal Insurance Office data, which the office collects directly from the largest homeowners insurers and reports at the ZIP-code level. A statewide average blends expensive coastal and wildfire-exposed markets with lower-cost inland areas, so the figure is a useful benchmark but will understate what some residents pay and overstate what others pay. The loss ratio is the share of every premium dollar that insurers returned as claims; sustained ratios near or above one signal a market under pressure, where rate increases, tighter underwriting, or nonrenewals tend to follow. Claim frequency and nonrenewal rates show how often policies result in claims and how often insurers decline to renew, both of which track local catastrophe exposure. Treat the state number as a registry average, then open the ZIP table below for the same filing year's local premium and nonrenewal extracts.

Loss Ratio Reading: Louisiana

Louisiana statewide - FIO 2022, mean of ZIP codes: 104% (Underwriting loss) - paid out more than collected, rate increases virtually guaranteed.

ZIP Codes Tracked

337

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$2,404	$2,307	36.1%	5.79%	0.64%
2019	$2,439 (+1.4%)	$2,314	40.5%	6.73%	0.60%
2020	$2,419 (-0.8%)	$2,300	153.8%	19.40%	0.40%
2021	$2,463 (+1.8%)	$2,316	188.0%	23.12%	1.03%
2022	$2,539 (+3.1%)	$2,438	104.0%	9.95%	1.98%

Average homeowners premium per year in Louisiana.

Most Expensive ZIP Codes in Louisiana

Most Affordable ZIP Codes in Louisiana

All ZIP Codes in Louisiana

337 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
70130	New Orleans	$8,306	115.4%	14.84%	8.45%
70116	New Orleans	$6,857	57.8%	13.72%	6.86%
70115	New Orleans	$6,676	71.9%	13.35%	6.99%
70118	New Orleans	$6,487	87.0%	13.71%	6.35%
70124	New Orleans	$5,121	51.8%	8.55%	10.53%
70005	Metairie	$4,990	67.1%	12.82%	6.45%
70002	Metairie	$4,947	74.8%	14.49%	5.68%
70036	Barataria	$4,627	268.4%	25.53%	N/A
70125	New Orleans	$4,395	48.3%	8.81%	9.95%
70037	Belle Chasse	$4,353	53.0%	10.67%	0.68%
70067	Lafitte	$4,285	290.1%	23.87%	N/A
70131	New Orleans	$4,148	64.9%	11.12%	5.61%
70471	Mandeville	$4,137	81.8%	12.64%	6.82%
70645	Hackberry	$4,093	388.0%	5.95%	11.90%
70006	Metairie	$4,067	113.1%	19.05%	6.05%
70344	Chauvin	$4,032	509.8%	22.31%	0.38%
70119	New Orleans	$4,031	46.6%	9.58%	7.92%
70128	New Orleans	$4,019	93.1%	11.49%	2.08%
70065	Kenner	$3,882	140.7%	21.82%	4.53%
70342	Berwick	$3,817	12.8%	1.92%	9.35%
70047	Destrehan	$3,791	464.3%	42.12%	5.01%
70113	New Orleans	$3,791	37.1%	11.39%	5.70%
70122	New Orleans	$3,787	68.7%	9.91%	7.72%
70345	Cut Off	$3,723	835.7%	37.23%	0.78%
70123	New Orleans	$3,690	135.9%	18.37%	3.81%
70127	New Orleans	$3,569	81.1%	14.57%	2.83%
70001	Metairie	$3,559	82.6%	13.66%	6.19%
70056	Gretna	$3,552	75.1%	11.12%	3.15%
70360	Houma	$3,527	461.8%	39.99%	2.05%
70114	New Orleans	$3,492	78.1%	14.24%	5.23%
70373	Larose	$3,472	893.0%	39.45%	0.25%
70003	Metairie	$3,467	122.4%	19.22%	6.71%
70126	New Orleans	$3,453	82.3%	15.50%	3.01%
70049	Edgard	$3,406	308.2%	38.99%	1.89%
70075	Meraux	$3,370	47.3%	6.64%	0.86%
70448	Mandeville	$3,370	84.2%	12.66%	7.90%
70433	Covington	$3,334	84.2%	9.75%	2.96%
70117	New Orleans	$3,329	44.4%	8.25%	7.31%
70129	New Orleans	$3,303	108.3%	14.17%	2.47%
70058	Harvey	$3,286	78.0%	12.30%	3.42%
70057	Hahnville	$3,275	692.5%	55.41%	2.06%
70030	Des Allemands	$3,275	574.7%	48.14%	1.63%
70461	Slidell	$3,258	57.2%	8.10%	4.39%
70343	Bourg	$3,253	626.1%	46.20%	0.41%
70395	Schriever	$3,241	117.8%	19.39%	2.04%
70374	Lockport	$3,238	360.2%	42.35%	0.49%
70605	Lake Charles	$3,209	589.1%	18.32%	1.69%
70431	Bush	$3,206	56.4%	7.08%	2.32%
70437	Folsom	$3,197	38.6%	6.85%	1.20%
70808	Baton Rouge	$3,184	22.2%	4.75%	0.49%
70070	Luling	$3,173	497.1%	35.74%	3.31%
70763	Paulina	$3,170	232.9%	23.00%	2.07%
70356	Gibson	$3,156	41.8%	11.76%	4.71%
70053	Gretna	$3,137	64.3%	9.23%	3.57%
70394	Raceland	$3,131	288.4%	29.28%	0.88%
70085	Saint Bernard	$3,129	63.9%	4.29%	2.41%
70068	La Place	$3,122	521.4%	39.99%	3.78%
70087	Saint Rose	$3,118	417.0%	41.12%	4.15%
70092	Violet	$3,096	26.1%	7.78%	0.89%
70447	Madisonville	$3,057	71.7%	7.28%	7.28%
70538	Franklin	$3,051	5.0%	2.23%	5.20%
70121	New Orleans	$3,045	64.2%	12.29%	5.06%
70435	Covington	$3,034	50.8%	6.55%	1.75%
70810	Baton Rouge	$3,033	41.9%	5.77%	0.61%
70392	Patterson	$3,021	3.2%	0.97%	6.61%
70380	Morgan City	$3,004	11.5%	2.22%	3.36%
70301	Thibodaux	$2,992	208.0%	16.26%	2.65%
70503	Lafayette	$2,980	27.6%	4.21%	3.66%
70460	Slidell	$2,977	61.5%	8.90%	4.45%
70364	Houma	$2,968	292.9%	36.52%	1.95%
70445	Lacombe	$2,962	54.7%	9.09%	4.55%
70809	Baton Rouge	$2,957	38.1%	6.20%	0.55%
70039	Boutte	$2,947	474.6%	39.67%	3.26%
70071	Lutcher	$2,931	288.4%	16.99%	1.60%
70072	Marrero	$2,915	78.7%	9.76%	3.07%
70031	Ama	$2,902	317.5%	36.59%	N/A
70549	Lake Arthur	$2,902	120.2%	3.17%	1.59%
70665	Sulphur	$2,889	334.5%	10.73%	1.08%
70079	Norco	$2,887	530.4%	50.26%	4.64%
70544	Jeanerette	$2,885	12.6%	3.35%	3.79%
70601	Lake Charles	$2,879	537.1%	14.91%	2.47%
70458	Slidell	$2,867	65.9%	8.39%	4.53%
70043	Chalmette	$2,864	38.0%	6.70%	5.01%
70062	Kenner	$2,854	161.3%	20.62%	4.87%
70090	Vacherie	$2,828	250.7%	18.30%	0.80%
70510	Abbeville	$2,823	16.7%	2.67%	5.83%
70788	White Castle	$2,811	31.3%	6.47%	1.18%
70462	Springfield	$2,805	125.2%	13.72%	1.20%
70052	Gramercy	$2,802	248.1%	20.41%	2.37%
70508	Lafayette	$2,798	20.6%	3.49%	3.45%
70363	Houma	$2,781	583.7%	47.71%	1.84%
70542	Gueydan	$2,781	4.0%	2.20%	4.95%
70563	New Iberia	$2,770	22.9%	4.49%	4.10%
70607	Lake Charles	$2,765	492.6%	14.60%	2.71%
70359	Gray	$2,765	216.0%	29.29%	2.13%
70806	Baton Rouge	$2,763	33.0%	5.14%	0.98%
70084	Reserve	$2,755	276.6%	33.47%	1.38%
70032	Arabi	$2,746	513.8%	31.02%	8.33%
70668	Vinton	$2,734	296.9%	7.86%	2.00%
70422	Amite	$2,718	107.4%	11.29%	1.88%
70611	Lake Charles	$2,708	402.2%	10.69%	1.32%
70390	Napoleonville	$2,704	29.3%	6.15%	6.52%
70647	Iowa	$2,701	342.2%	9.36%	1.06%
70725	Darrow	$2,680	55.9%	3.59%	N/A
70446	Loranger	$2,679	89.6%	9.91%	0.57%
70591	Welsh	$2,669	126.1%	7.29%	1.54%
70449	Maurepas	$2,668	133.7%	11.95%	1.38%
71201	Monroe	$2,666	80.5%	12.30%	0.78%
70456	Roseland	$2,649	74.7%	8.70%	1.24%
70401	Hammond	$2,647	161.0%	13.93%	1.08%
70533	Erath	$2,643	17.7%	2.53%	4.67%
70526	Crowley	$2,643	17.4%	3.27%	2.45%
70775	Saint Francisville	$2,643	89.7%	3.76%	0.55%
70420	Abita Springs	$2,641	32.6%	5.39%	1.93%
70729	Erwinville	$2,639	24.4%	3.36%	1.34%
70762	Oscar	$2,633	16.2%	2.45%	0.49%
70548	Kaplan	$2,631	28.6%	2.79%	3.07%
70372	Labadieville	$2,627	35.2%	7.69%	1.62%
70780	Sunshine	$2,627	25.3%	7.41%	2.22%
70080	Paradis	$2,616	890.3%	58.76%	6.19%
70443	Independence	$2,614	99.7%	10.85%	0.47%
70339	Pierre Part	$2,606	7.0%	1.34%	2.81%
70051	Garyville	$2,601	164.3%	25.46%	2.31%
71106	Shreveport	$2,596	37.2%	8.70%	0.72%
70820	Baton Rouge	$2,591	32.7%	3.13%	1.30%
70663	Sulphur	$2,589	271.7%	10.50%	1.68%
70776	Saint Gabriel	$2,584	25.4%	2.09%	1.04%
70615	Lake Charles	$2,580	338.3%	10.07%	1.79%
70555	Maurice	$2,580	53.1%	5.15%	7.11%
70734	Geismar	$2,578	38.4%	6.14%	0.19%
70346	Donaldsonville	$2,575	72.3%	12.93%	0.45%
70669	Westlake	$2,563	475.7%	14.22%	2.13%
70452	Pearl River	$2,563	32.8%	3.99%	2.47%
70094	Westwego	$2,563	202.0%	18.98%	3.65%
70748	Jackson	$2,556	30.5%	2.77%	1.62%
70769	Prairieville	$2,546	46.2%	6.05%	0.45%
70546	Jennings	$2,535	51.2%	1.97%	1.84%
70528	Delcambre	$2,535	14.5%	5.04%	1.44%
70778	Sorrento	$2,531	69.7%	11.27%	0.70%
70560	New Iberia	$2,527	15.4%	3.90%	4.11%
70633	Dequincy	$2,526	331.0%	7.51%	1.58%
70541	Grand Coteau	$2,521	12.0%	2.90%	4.35%
70532	Elton	$2,520	48.4%	1.92%	0.77%
71261	Mer Rouge	$2,520	15.6%	6.92%	0.77%
70455	Robert	$2,510	25.5%	4.35%	N/A
71366	Saint Joseph	$2,507	63.3%	10.00%	N/A
70757	Maringouin	$2,505	47.6%	6.62%	0.33%
70426	Angie	$2,503	5.9%	2.84%	1.03%
70817	Baton Rouge	$2,495	49.5%	6.95%	0.48%
70722	Clinton	$2,495	49.8%	6.20%	0.94%
70777	Slaughter	$2,493	38.2%	3.83%	0.43%
70438	Franklinton	$2,487	36.3%	3.99%	1.02%
70749	Jarreau	$2,480	111.8%	2.02%	2.02%
70444	Kentwood	$2,479	37.2%	6.15%	0.81%
70764	Plaquemine	$2,473	16.5%	3.89%	1.39%
70441	Greensburg	$2,471	156.9%	7.42%	0.78%
70582	Saint Martinville	$2,468	25.2%	3.00%	1.87%
70774	Saint Amant	$2,464	95.9%	8.84%	0.68%
70739	Greenwell Springs	$2,464	42.3%	6.58%	0.62%
70427	Bogalusa	$2,464	28.6%	3.70%	0.81%
70744	Holden	$2,464	145.0%	9.70%	0.75%
70454	Ponchatoula	$2,463	168.6%	14.21%	1.10%
70760	New Roads	$2,461	20.0%	5.22%	0.85%
70730	Ethel	$2,458	19.2%	3.04%	0.23%
70767	Port Allen	$2,456	30.3%	4.28%	1.02%
70791	Zachary	$2,455	26.3%	4.17%	0.61%
70518	Broussard	$2,448	19.7%	3.39%	3.72%
70578	Rayne	$2,441	16.9%	3.39%	3.34%
70814	Baton Rouge	$2,438	33.6%	7.47%	0.56%
70403	Hammond	$2,435	199.6%	14.30%	0.81%
70811	Baton Rouge	$2,434	24.1%	6.68%	0.92%
70714	Baker	$2,428	28.5%	6.53%	0.87%
70552	Loreauville	$2,423	2.7%	3.03%	0.76%
70711	Albany	$2,419	82.4%	8.39%	0.43%
70466	Tickfaw	$2,414	121.4%	11.03%	0.69%
70815	Baton Rouge	$2,403	33.6%	6.07%	0.72%
70816	Baton Rouge	$2,380	59.9%	8.05%	0.37%
70737	Gonzales	$2,375	72.7%	8.07%	0.53%
70754	Livingston	$2,374	65.6%	7.24%	0.26%
70818	Baton Rouge	$2,369	34.1%	6.34%	0.59%
70783	Ventress	$2,366	10.5%	2.61%	1.20%
70807	Baton Rouge	$2,360	35.0%	6.70%	1.18%
70584	Sunset	$2,358	17.4%	3.13%	1.25%
70706	Denham Springs	$2,355	47.1%	5.46%	0.49%
70719	Brusly	$2,348	17.7%	2.16%	0.72%
70592	Youngsville	$2,344	14.6%	2.75%	4.89%
70802	Baton Rouge	$2,331	30.1%	5.84%	1.82%
70785	Walker	$2,324	45.3%	7.35%	0.32%
70733	French Settlement	$2,321	71.5%	7.41%	0.53%
70517	Breaux Bridge	$2,307	25.3%	2.65%	2.00%
70770	Pride	$2,299	39.1%	6.02%	N/A
70726	Denham Springs	$2,296	58.2%	6.37%	0.62%
70657	Ragley	$2,291	413.7%	8.58%	0.26%
70520	Carencro	$2,289	49.3%	4.32%	3.39%
70648	Kinder	$2,286	184.9%	5.41%	1.42%
70525	Church Point	$2,285	32.3%	2.98%	2.19%
70570	Opelousas	$2,277	24.3%	3.68%	0.93%
70529	Duson	$2,275	47.5%	4.23%	3.57%
70450	Mount Hermon	$2,273	37.1%	5.81%	N/A
70535	Eunice	$2,264	31.0%	4.21%	1.01%
70812	Baton Rouge	$2,245	45.7%	6.03%	1.03%
71322	Bunkie	$2,244	17.9%	5.10%	0.85%
70652	Longville	$2,237	181.9%	6.52%	3.11%
70507	Lafayette	$2,220	45.3%	4.72%	2.77%
70805	Baton Rouge	$2,217	45.1%	7.52%	1.48%
70506	Lafayette	$2,207	20.0%	3.10%	4.28%
71485	Woodworth	$2,196	29.3%	7.86%	0.22%
70583	Scott	$2,191	32.5%	3.24%	2.73%
70501	Lafayette	$2,184	30.4%	5.26%	1.97%
70512	Arnaudville	$2,170	70.0%	4.28%	1.12%
70589	Washington	$2,167	5.6%	1.46%	0.42%
71269	Rayville	$2,153	68.3%	10.22%	0.60%
71301	Alexandria	$2,134	42.7%	9.87%	0.90%
71006	Benton	$2,130	49.6%	4.42%	0.58%
71456	Natchez	$2,130	29.4%	4.09%	1.36%
71227	Choudrant	$2,126	22.2%	5.32%	0.29%
71203	Monroe	$2,125	67.4%	10.96%	1.01%
71463	Oakdale	$2,117	109.3%	4.21%	0.73%
71254	Lake Providence	$2,113	123.3%	11.63%	1.00%
71225	Calhoun	$2,112	74.7%	9.00%	0.57%
70710	Addis	$2,112	6.9%	1.64%	0.25%
71291	West Monroe	$2,102	60.3%	10.10%	0.73%
71119	Shreveport	$2,095	46.3%	10.20%	0.81%
71282	Tallulah	$2,093	119.6%	12.64%	1.33%
71270	Ruston	$2,072	49.3%	6.52%	0.64%
71280	Sterlington	$2,067	53.9%	7.45%	1.01%
71457	Natchitoches	$2,067	28.6%	4.62%	0.53%
71355	Moreauville	$2,052	32.7%	9.61%	0.36%
71226	Chatham	$2,051	11.9%	3.68%	0.31%
70554	Mamou	$2,049	26.3%	3.51%	0.55%
70634	Deridder	$2,047	134.7%	4.99%	0.53%
70586	Ville Platte	$2,047	35.6%	3.43%	1.12%
70655	Oberlin	$2,045	183.3%	5.10%	0.78%
71115	Shreveport	$2,040	33.6%	8.70%	0.33%
71334	Ferriday	$2,035	64.4%	10.19%	0.46%
70819	Baton Rouge	$2,033	30.8%	6.00%	0.29%
71245	Grambling	$2,033	9.9%	3.81%	0.85%
71061	Oil City	$2,024	23.2%	6.90%	0.49%
71295	Winnsboro	$2,015	86.3%	10.31%	0.64%
71483	Winnfield	$2,015	57.0%	5.62%	1.28%
70577	Port Barre	$2,014	9.1%	1.27%	0.91%
71051	Elm Grove	$2,012	31.6%	4.85%	1.28%
70656	Pitkin	$2,011	200.9%	5.29%	0.79%
71268	Quitman	$1,999	18.0%	5.90%	0.44%
71033	Greenwood	$1,988	41.7%	9.76%	1.05%
71346	Lecompte	$1,975	185.3%	11.90%	1.98%
71220	Bastrop	$1,975	49.3%	8.06%	0.98%
71350	Mansura	$1,973	7.1%	3.17%	0.91%
71362	Plaucheville	$1,965	30.4%	6.49%	0.43%
71303	Alexandria	$1,957	59.5%	9.55%	1.05%
71351	Marksville	$1,956	57.8%	6.04%	1.24%
71232	Delhi	$1,950	63.8%	8.28%	0.30%
71251	Jonesboro	$1,946	76.3%	6.09%	2.10%
71446	Leesville	$1,942	46.3%	4.07%	0.64%
71111	Bossier City	$1,931	37.6%	5.04%	0.72%
71001	Arcadia	$1,925	73.8%	8.21%	1.49%
71104	Shreveport	$1,924	40.5%	7.88%	0.60%
71238	Eros	$1,921	48.5%	6.52%	0.37%
71292	West Monroe	$1,921	52.0%	7.89%	0.87%
71343	Jonesville	$1,920	71.8%	5.51%	0.96%
71327	Cottonport	$1,919	32.7%	1.63%	0.54%
71234	Downsville	$1,913	63.6%	7.12%	0.41%
71044	Ida	$1,905	41.9%	11.11%	N/A
71235	Dubach	$1,899	35.8%	5.87%	0.52%
71418	Columbia	$1,899	70.9%	8.64%	0.42%
71019	Coushatta	$1,896	25.1%	4.65%	0.97%
71409	Boyce	$1,891	85.2%	13.11%	1.19%
71046	Keatchie	$1,887	38.4%	5.35%	N/A
71241	Farmerville	$1,887	94.3%	6.99%	0.46%
71341	Hessmer	$1,885	19.2%	5.59%	1.24%
71107	Shreveport	$1,867	37.9%	8.19%	1.05%
71438	Hineston	$1,862	169.2%	7.50%	N/A
71032	Grand Cane	$1,860	27.1%	4.42%	0.29%
71055	Minden	$1,858	48.6%	9.02%	0.83%
71078	Stonewall	$1,847	31.1%	5.86%	0.59%
71047	Keithville	$1,843	41.6%	7.25%	0.62%
71403	Anacoco	$1,840	17.7%	4.17%	0.46%
71423	Dry Prong	$1,838	49.0%	5.10%	0.36%
71060	Mooringsport	$1,838	23.7%	5.73%	0.88%
71275	Simsboro	$1,835	51.9%	10.96%	0.28%
71027	Frierson	$1,835	28.5%	3.53%	0.32%
71449	Many	$1,831	24.2%	3.20%	0.76%
71052	Mansfield	$1,830	41.3%	5.86%	1.08%
71266	Pioneer	$1,824	95.2%	11.27%	0.70%
71263	Oak Grove	$1,819	63.5%	6.93%	0.39%
71105	Shreveport	$1,817	24.1%	5.31%	0.89%
71129	Shreveport	$1,816	34.3%	7.22%	0.58%
71342	Jena	$1,813	33.7%	5.63%	0.55%
71007	Bethany	$1,812	33.4%	3.64%	N/A
71467	Pollock	$1,809	48.0%	6.26%	0.68%
71433	Glenmora	$1,800	65.5%	7.22%	1.85%
71049	Logansport	$1,792	36.9%	4.28%	0.90%
71070	Saline	$1,790	30.8%	6.81%	1.05%
71328	Deville	$1,786	52.1%	8.12%	0.44%
71101	Shreveport	$1,784	37.0%	9.82%	1.82%
71202	Monroe	$1,781	79.0%	8.70%	1.96%
71360	Pineville	$1,780	52.1%	8.12%	1.04%
71082	Vivian	$1,780	61.6%	9.29%	0.83%
71411	Campti	$1,779	4.8%	1.38%	N/A
71417	Colfax	$1,778	40.8%	6.01%	0.69%
71430	Forest Hill	$1,778	50.2%	4.20%	0.84%
71064	Plain Dealing	$1,777	81.2%	5.31%	1.62%
71424	Elmer	$1,773	57.0%	5.31%	N/A
71302	Alexandria	$1,769	74.6%	9.75%	1.27%
71435	Grayson	$1,768	52.6%	8.72%	0.69%
71256	Lillie	$1,767	16.6%	4.50%	0.90%
71465	Olla	$1,764	63.6%	5.12%	0.93%
71037	Haughton	$1,762	31.9%	5.45%	0.65%
71068	Ringgold	$1,753	56.6%	8.41%	N/A
71073	Sibley	$1,745	16.0%	3.50%	0.29%
71454	Montgomery	$1,740	35.9%	4.32%	0.62%
71040	Homer	$1,739	22.3%	6.29%	0.38%
71118	Shreveport	$1,736	48.3%	10.26%	0.78%
71429	Florien	$1,727	71.9%	5.05%	0.49%
71016	Castor	$1,725	11.5%	3.70%	0.41%
71045	Jamestown	$1,725	23.9%	6.25%	2.08%
71071	Sarepta	$1,717	25.2%	3.54%	1.42%
71222	Bernice	$1,710	80.2%	12.08%	0.67%
71461	New Llano	$1,707	7.4%	6.32%	1.72%
71103	Shreveport	$1,701	17.5%	9.22%	1.68%
71018	Cotton Valley	$1,699	96.7%	6.56%	1.09%
71023	Doyline	$1,695	48.6%	5.02%	1.46%
71075	Springhill	$1,691	74.9%	4.29%	1.86%
71072	Shongaloo	$1,686	27.6%	2.28%	0.46%
71486	Zwolle	$1,685	32.0%	1.94%	1.29%
71024	Dubberly	$1,677	147.8%	11.46%	N/A
71405	Ball	$1,666	70.0%	9.04%	0.85%
71039	Heflin	$1,657	82.0%	5.59%	1.18%
71260	Marion	$1,652	55.7%	6.20%	N/A
71373	Vidalia	$1,649	67.6%	13.92%	0.58%
71067	Princeton	$1,645	34.3%	6.52%	0.22%
71003	Athens	$1,630	106.3%	12.31%	2.31%
71109	Shreveport	$1,622	67.2%	10.29%	1.75%
71112	Bossier City	$1,587	77.8%	15.18%	0.54%
71028	Gibsland	$1,587	199.3%	24.88%	0.96%
71038	Haynesville	$1,567	20.5%	3.71%	0.25%
71108	Shreveport	$1,559	39.5%	11.57%	1.58%

Louisiana Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How Louisiana compares to other states

Explore More Insurance Data

Premium Rankings

Most & least expensive ZIPs and states nationwide

Dental Insurance in Louisiana

DHMO vs DPPO premiums (NADP 2024)

Compare All States

Average premiums and nonrenewals across the U.S.

Natural-hazard context (FEMA NRI)

County National Risk Index scores joined to Louisiana ZIP codes in the same FIO filing year. This is hazard and vulnerability context from FEMA, not a premium driver table and not a quote.

Mean county risk score

77.8

16th of 50 states by mean score · national mean 69.3

Counties joined

Distinct county FIPS on Louisiana FIO ZIPs

Most common top hazard

Hurricane

32 of 64 counties

Highest FEMA NRI counties in Louisiana
County	Risk score	Rating	Top hazard
Jefferson	98.7	Relatively High	Hurricane
Orleans	98.3	Relatively High	Hurricane
East Baton Rouge	98.0	Relatively High	Hurricane

Counties with elevated FEMA hazard ratings in Louisiana
Hazard	Elevated counties	Share of joined
Hurricane	24	38%
Tornado	10	16%
Flooding	6	9%
Hail	3	5%
Winter weather	2	3%

Elevated = FEMA Relatively High or Very High rating on that hazard column. Ratings are independent per hazard; a county can appear in more than one row.

Source: FEMA National Risk Index · research board: top counties by NRI score.

Nationwide states with similar insurance profiles

Two FIO peer sets for Louisiana: nearest other states by average homeowners premium and by statewide nonrenewal rate. These are cross-state neighborhoods, not the in-state ZIP table above.

Similar average premium

Nearest states by average homeowners premium ($2,539/yr here).

Colorado $2,591/yr Nebraska $2,473/yr Oklahoma $2,622/yr Kansas $2,350/yr

Similar nonrenewal rate

Nearest states by average nonrenewal rate (1.98% here).

Arizona 1.99% California 1.86% Virginia 1.67% Missouri 1.60%

Frequently Asked Questions

What is the average homeowners insurance cost in Louisiana? ▼

Averaged across the 337 Louisiana ZIP codes in the U.S. Treasury FIO data, the annual homeowners premium is $2,539 ($3,597 when each ZIP is weighted by population, which is closer to what a typical homeowner pays). This is 43% above the national average of $1,776.

How have insurance premiums changed in Louisiana? ▼

Louisiana homeowners insurance premiums changed by +5.6% between 2018 and 2022. The 2022 average loss ratio is 104.0%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in Louisiana? ▼

The most expensive ZIP code for homeowners insurance in Louisiana is 70130, with an average premium of $8,306/yr. The most affordable is 71108 at $1,559/yr.

What is the nonrenewal rate for Louisiana homeowners insurance? ▼

Averaged across the Louisiana ZIP codes that report one, the nonrenewal rate is 1.98%. This rate has changed by +209.0% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 70125 has the highest nonrenewal rate in the state at 9.95%.

What is a loss ratio and what does Louisiana's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Louisiana's 2022 average loss ratio is 104.0%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in Louisiana? ▼

The average claim frequency in Louisiana is 9.95%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $25,004. Higher claim frequency and severity typically correlate with higher premiums.

What natural hazards drive risk in Louisiana? ▼

Across 64 FEMA National Risk Index counties that join to Louisiana ZIP codes in the FIO file, the mean county risk score is 77.8 (12% above the 50-state mean of 69.3). The most common county-level top hazard is Hurricane (32 of 64 counties). Elevated (Relatively High or Very High) county ratings concentrate in Hurricane (24), Tornado (10), Flooding (6). NRI scores are county hazard/vulnerability context from FEMA; they are not premiums and are not a quote.

Louisiana in the FIO registry

State averages sit next to ZIP-level premium and nonrenewal extracts from the same filing year.

Louisiana ZIP premiums and nonrenewal rates in the same table. ZIP table
National premium board versus the population-floored nonrenewal board. Rankings
How competition ranks and dual boards are derived. Methodology

State figures are 2022 averages across ZIP-level U.S. Treasury FIO observations (changes compare 2018 with 2022), a benchmark, not a quote for any individual home.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

Browse all ZIPs → | Rankings → | All states →

Compiled by PlainInsure , Insurance Transparency Editorial Process · May 15, 2026

Source data: U.S. Treasury FIO · FEMA National Risk Index · NOAA Storm Events. See our methodology.

Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This state's figures are rendered directly from U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.

Louisiana Homeowners Insurance

How Louisiana Compares

Data Snapshot: Louisiana Homeowners Insurance

Loss Ratio Reading: Louisiana

Premium Trends (2018-2022)

Average premium in Louisiana, 2018–2022

Most Expensive ZIP Codes in Louisiana

Most Affordable ZIP Codes in Louisiana

All ZIP Codes in Louisiana

Louisiana Insurance Guides

Explore More Insurance Data

Natural-hazard context (FEMA NRI)

Nationwide states with similar insurance profiles

Similar average premium

Similar nonrenewal rate

Frequently Asked Questions

Related