Louisiana is one of the most challenging states in the country for manufactured home insurance. The state sits directly in the Gulf hurricane corridor, flooding is a near-universal risk across the coastal plain, and the private insurance market has thinned dramatically after years of major hurricane losses. Rates rose 58% in 2026 — the largest increase of any state. That said, coverage is available, and knowing your options matters more here than almost anywhere.
This guide covers what Louisiana mobile home insurance actually costs, which companies are still active, and what you need to know before buying.
How Much Does Mobile Home Insurance Cost in Louisiana?
Louisiana mobile home owners typically pay between $1,000 and $1,800 per year, with south Louisiana and coastal properties pushing toward $2,000 or more for comprehensive coverage.
Here’s a rough breakdown by situation:
| Situation | Estimated Annual Premium |
|---|---|
| North Louisiana (Shreveport area) | $800 – $1,200 |
| Central Louisiana | $900 – $1,400 |
| South Louisiana / coastal | $1,200 – $2,000 |
| Older home (pre-1994) | $1,400 – $2,200 |
| With added flood insurance | Add $700 – $1,400 |
North Louisiana — Shreveport, Monroe, Alexandria — is substantially more affordable than south Louisiana due to lower hurricane exposure.
What Affects Your Premium in Louisiana
Hurricane exposure is extreme in south Louisiana. The state has been hit by multiple major hurricanes in recent years including Katrina, Rita, Ike, Isaac, Laura, Delta, Ida, and others. South Louisiana sits at maximum Gulf hurricane risk.
Flooding is near-universal below I-10. Standard policies exclude flood entirely. NFIP flood coverage is functionally mandatory for manufactured homes in south Louisiana.
Carrier availability has thinned significantly. Several national carriers have withdrawn from Louisiana’s private market entirely. Foremost and American Modern are among the few specialists maintaining presence.
Home age — pre-1994 homes face the standard challenges compounded by Louisiana’s severe weather history. Expect fewer options and higher rates.
Best Mobile Home Insurance Companies in Louisiana
Louisiana’s private insurance market has thinned significantly after years of hurricane losses. Foremost and American Modern are among the few specialists maintaining consistent presence. Louisiana Citizens is the state backstop.
Louisiana-Specific Requirements and Risks
Flood insurance is essential in south Louisiana — not optional in practice. NFIP or private flood coverage should be budgeted as a near-certain additional cost for any property south of I-10. Katrina and Ida both caused catastrophic damage well outside mapped flood zones.
Hurricane deductibles work like Florida’s — typically 2–5% of your home’s insured value for named storm events, not a flat dollar amount. Know this number before storm season.
Thinning private market — if Foremost and American Modern decline your property, Citizens is the fallback. But try both specialists before going to Citizens.
No state mandate for manufactured home insurance. Lenders and parks require it.
How to Get the Cheapest Rate in Louisiana
North Louisiana is substantially more affordable — Shreveport, Monroe, and Alexandria area rates are well below south Louisiana for the same home.
Get flood insurance quotes separately from your main policy — NFIP and private flood are distinct products priced separately.
Foremost first — in rural south Louisiana, Foremost is often the only realistic private market option. Get their quote before spending time on carriers who may decline.
Don’t skip flood to save money — a standard policy with no flood coverage is dangerously incomplete in Louisiana.
Frequently Asked Questions
Is mobile home insurance required in Louisiana? Not legally for outright owners. Lenders and parks require it.
Do I need flood insurance in Louisiana? If you’re south of I-10, treat flood insurance as mandatory regardless of your official flood zone designation. The risk is real across the entire south Louisiana coastal plain.
Can I get coverage in Louisiana given the market difficulties? Yes. Foremost and American Modern have maintained Louisiana presence. Citizens is the backstop if private options don’t work.
What does a standard Louisiana policy cover? Structure, personal property, liability, additional living expenses. Hurricane wind typically included. Flood is always excluded from standard policies.