Homeowners insurance in Louisiana: premium by ZIP code
Louisiana insurers paid 12.6 claims per 100 policies in 2021, the year of Hurricane Ida, and 76% of premium in losses.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, Louisiana (median ZIP code)
$2,438
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $3,247.
| Change from 2018 to 2022, after inflation | +5.7% |
| Premium per policy in 2018 | $2,307 |
| Premium per policy in 2022 | $2,438 |
| 2022 premium carried to September 2026 (BLS index) | $3,247 |
| Policies not renewed by the insurer, 2022 | 1.05% |
| Claims paid per 100 policies, yearly average | 10.5 |
| Average claim paid, 2018 to 2022 (adjusted) | $15,333 |
| Cancelled for nonpayment, 2022 | 2.13% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.
Compiled by Radif Partners · Where the numbers come from · 337 ZIP codes in 64 counties of Louisiana in the Treasury file · not a quote
Louisiana had the highest claim rate in the Treasury file, 10.5 paid claims per 100 policies a year in the median ZIP code, ranked 1 of 51. Two hurricane years drove it. In 2020 Laura and Delta struck the southwest, and paid claims rose to 10.4 per 100 policies; in 2021 Ida came ashore at Port Fourchon, and the rate reached 12.6 with a paid loss ratio of 76%, the highest of any state in any year of the file. The median premium per policy was $2,438 in 2022, ranked 4 of 51. Orleans Parish paid $4,025 and Jefferson Parish $3,556. Nonrenewals rose from 0.26% in 2020 to 1.05% in 2022, and several insurers failed. Many homes moved to Louisiana Citizens, which is outside the file. The data stop in 2022.
Two storms in two years
Before 2020, Louisiana's paid claims ran near the national rate, 4.7 per 100 policies in 2018. Laura, a category 4 hurricane, hit Lake Charles in August 2020, and Delta followed the same path six weeks later. Ida, also category 4, struck southeast Louisiana in August 2021, with wind damage across the New Orleans area and the parishes to the south and west. The paid loss ratio rose from 28% in 2019 to 49% and 76%. Insurers that could not absorb those losses, or the reinsurance costs that followed, became insolvent or left.
New Orleans and Baton Rouge
Orleans Parish's 16 ZIP codes had a median of $4,025 in 2022, the highest of the large parishes; Jefferson Parish paid $3,556. The dearest ZIP codes in the state were 70130, the Warehouse District and Irish Channel, at $8,306, and 70116, the Marigny and Treme, at $6,857. East Baton Rouge Parish paid $2,431, and Caddo Parish, around Shreveport in the north, $1,838, after a rise of +13.4%. The cheapest ZIP codes were in the north: 71108 in Caddo Parish at $1,559.
A Louisiana hurricane claim with a 5 percent deductible
Example, not your result yet· change a figure to see yours
The insurer would pay
$25,000
| Full percentage deductible | $15,000 |
| Paid with the flat deductible instead | $39,000 |
| Extra you carry because of the percentage | $14,000 |
| 2% of this dwelling limit | $6,000 |
Renewals after the storms
The nonrenewal rate in the median ZIP code went from 0.26% in 2020 to 0.71% in 2021 and 1.05% in 2022. In 26% of Louisiana ZIP codes the 2022 rate was above the line of the top tenth nationally. Cancellations for nonpayment ran at 2.13%, among the higher rates, as premiums climbed. Policies ended by an insolvent insurer are not counted as nonrenewals, so the true loss of coverage in those years was larger.
Louisiana Citizens
The Louisiana Citizens Property Insurance Corporation writes wind and hail dwelling forms and homeowners forms for homes that cannot find a private insurer, and its book grew after the storms. Its policies are not in the Treasury file, so the private median describes the homes private insurers kept. The Louisiana Department of Insurance regulates rates and runs programs to fortify roofs. A percentage hurricane deductible is common on Louisiana policies; the hurricane deductible calculator shows what it costs on a claim.
Louisiana, year by year
| Year | Louisiana median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $2,307 | $1,445 | 0.47% | 4.7 | 27% |
| 2019 | $2,314 | $1,469 | 0.46% | 5.1 | 28% |
| 2020 | $2,300 | $1,491 | 0.26% | 10.4 | 49% |
| 2021 | $2,316 | $1,521 | 0.71% | 12.6 | 76% |
| 2022 | $2,438 | $1,551 | 1.05% | 7 | 51% |
The Louisiana counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| East Baton Rouge Parish | 20 | $2,340 | $2,431 | +4.4% | 0.61% | $12,605 |
| Caddo Parish | 19 | $1,642 | $1,838 | +13.4% | 0.81% | $11,419 |
| Jefferson Parish | 16 | $3,498 | $3,556 | +3.2% | 4.17% | $15,902 |
| Orleans Parish | 16 | $4,107 | $4,025 | -1.6% | 6.60% | $15,502 |
| St. Tammany Parish | 13 | $3,334 | $3,057 | -5.7% | 4.39% | $17,260 |
| Rapides Parish | 12 | $1,703 | $1,793 | +7.4% | 0.97% | $14,629 |
| Calcasieu Parish | 11 | $2,434 | $2,708 | +8.1% | 1.69% | $51,044 |
| Lafayette Parish | 10 | $2,301 | $2,282 | -1.4% | 3.51% | $14,430 |
Highest and lowest premiums per policy, Louisiana ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 70130 | Orleans Parish | $8,306 | -8.4% | 8.45% |
| 70116 | Orleans Parish | $6,857 | -11.7% | 6.86% |
| 70115 | Orleans Parish | $6,676 | -5.6% | 6.99% |
| 70118 | Orleans Parish | $6,487 | -4.9% | 6.35% |
| 70124 | Orleans Parish | $5,121 | +4.0% | 10.53% |
| 71108 | Caddo Parish | $1,559 | +17.7% | 1.58% |
| 71038 | Claiborne Parish | $1,567 | +7.5% | 0.25% |
| 71028 | Bienville Parish | $1,587 | +1.0% | 0.96% |
| 71112 | Bossier Parish | $1,587 | +16.1% | 0.54% |
| 71109 | Caddo Parish | $1,622 | +15.6% | 1.75% |