Addvantage Insurance
4708 West Main Street, Houma, LA 70360
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4708 West Main Street, Houma, LA 70360
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5911 West Main Street, Houma, LA 70360
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140 Tyler Christian Dr, Houma, LA 70360
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1155 Saint Charles St, Houma, LA 70360
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6151 Highway 311, Houma, LA 70360
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1191 W Tunnel Blvd, Houma, LA 70360
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2043 Coteau Rd, Houma, LA 70364
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Learn about insurance coverage options specific to Houma residents.
Houma home insurance averages $10,964-$13,937 annually, plus $3,500+ for flood coverage. Learn about Zone V rates, coastal erosion, and Citizens insurance.
Car InsuranceHouma auto insurance guide: Louisiana's 15/30/25 minimums, modified fault rules, hurricane coverage, and why Terrebonne Parish rates average $2,268/year.
General Insurance EducationComplete insurance guide for Houma, LA residents. Learn about flood insurance costs, auto rate decreases, and hurricane coverage in Terrebonne Parish.
Home insurance in Houma typically costs between $10,000-$14,000 annually for standard homeowners coverage, which is significantly higher than the national average due to hurricane risk and coastal location. You'll also need separate flood insurance, which can cost $3,500-$4,000 per year for high-risk coastal properties, bringing your total insurance costs to potentially $15,000-$18,000 annually.
Yes, flood insurance is essentially mandatory in Houma if you have a mortgage, and it's strongly recommended even if you don't. About 85% of Terrebonne Parish is water or wetlands, and flooding is the second most common hazard event in the area. Standard homeowners policies don't cover flood damage, so without separate flood insurance, you'd be financially responsible for all flood-related repairs.
Risk Rating 2.0 is FEMA's new flood insurance pricing system that calculates premiums based on your individual property's specific flood risk rather than just the flood zone. It considers your home's elevation, distance from water, type of flooding expected, and rebuilding costs. For many Houma homeowners, this has meant dramatic premium increases—sometimes from $575 to $3,800 annually for the same coverage.
If traditional insurers have denied you coverage, contact Louisiana Citizens Property Insurance, the state's insurer of last resort. While rates are high (they increased 63% in 2023), it may be your only option for meeting mortgage requirements. You can also work with an independent insurance agent who specializes in high-risk coastal properties, as they may have access to specialty markets not available to consumers directly.
Homeowners insurance covers wind damage from hurricanes, including damage to your roof, siding, and windows from hurricane-force winds. However, it does not cover flood damage from storm surge, which is a separate peril requiring flood insurance. Since hurricanes often cause both wind and water damage, you need both policies to be fully protected. Wind damage deductibles in coastal Louisiana are typically 2-5% of your home's insured value.
Coastal erosion has moved the Gulf of Mexico 10 miles closer to Houma since the 1930s, and insurers factor this ongoing land loss into their risk models. Insurance companies are increasingly viewing Terrebonne Parish properties as higher risk due to the shrinking barrier island protection and rising storm surge potential. This translates to higher premiums, stricter underwriting requirements, and some carriers refusing to write new policies in the area entirely.
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