Homeowners Insurance in Houma, LA
For a home at Houma's median value of $205,900, we estimate about $2,730 a year — −10% versus the Louisiana NAIC average of $3,027.
Estimated homeowners insurance cost in Houma
Houma's estimate reflects its home values (5% lower than the state median) and FEMA's hazard profile for Terrebonne Parish.
Natural hazard risk in Houma
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 69.6 | Comprehensive (car); roof claims (home) | |
| Tornado | 92.9 | Comprehensive; dwelling | |
| Hurricane | 98.4 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 81.9 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 94.0 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 35.0 | Comprehensive; dwelling | |
| Winter weather | 56.8 | Collision (icy roads); frozen pipes (home) | |
| Wildfire | 23.4 | Comprehensive; dwelling | |
| Earthquake | 54.8 | Home needs a separate earthquake policy | |
| Lightning | 91.4 | Fire and electrical damage |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated premium by home value in Houma
| Dwelling value | Wood frame | Brick / masonry |
|---|---|---|
| $200,000 | $2,665 | $2,455 |
| $300,000 | $3,690 | $3,395 |
| $500,000 | $5,550 | $5,105 |
| $750,000 | $7,675 | $7,065 |
Home Insurance Estimator
Homeowners insurance by ZIP code in Houma
| ZIP | Median home value | Owner-occupied | Est. premium |
|---|---|---|---|
| 70360 | $286,000 | 72.0% | $3,550 |
| 70363 | $147,400 | 73.9% | $2,090 |
Homeowners insurance in Louisiana · Car insurance in Houma · Insurance offices near Houma
Frequently asked questions
How much is homeowners insurance in Houma?
For a home at Houma's median value of $205,900, we estimate about $2,730 a year for a standard HO-3 policy with a $1,000 deductible. The Louisiana NAIC average is $3,027.
What are the biggest natural hazards in Houma?
FEMA's National Risk Index rates Terrebonne Parish relatively high or very high for tornado, hurricane, coastal flooding, and lightning.
Does the age of homes in Houma affect insurance?
Yes. The median home in Houma was built in 1973 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.
How we estimate this
We start from the NAIC average homeowners (HO-3) premium for Louisiana, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Terrebonne Parish relative to the state. Results are rounded estimates, not quotes. Read the full methodology.
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023 (July 2026), Tables 4 and 5 (HO-3 and HO-4 average premiums)
- FEMA National Risk Index (Terrebonne Parish)
- U.S. Census Bureau, American Community Survey (home values, year built, tenure)