Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in Louisiana
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there.
Louisiana ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Rapides Parish | $813 | Relatively Moderate | $179,100 |
| 2 | Ouachita Parish | $827 | Relatively Moderate | $183,000 |
| 3 | De Soto Parish | $883 | Very Low | $150,700 |
| 4 | Lincoln Parish | $909 | Relatively Low | $195,500 |
| 5 | Caddo Parish | $935 | Relatively Moderate | $175,900 |
| 6 | Natchitoches Parish | $956 | Relatively Low | $163,000 |
| 7 | Bossier Parish | $957 | Relatively Moderate | $215,100 |
| 8 | Jackson Parish | $1,008 | Very Low | $107,400 |
| 9 | LaSalle Parish | $1,020 | Very Low | $137,200 |
| 10 | Concordia Parish | $1,029 | Very Low | $102,400 |
| 11 | Richland Parish | $1,040 | Very Low | $124,500 |
| 12 | Bienville Parish | $1,044 | Very Low | $93,600 |
| 13 | Franklin Parish | $1,055 | Very Low | $117,200 |
| 14 | Caldwell Parish | $1,071 | Very Low | $106,000 |
| 15 | West Carroll Parish | $1,077 | Very Low | $97,600 |
| 16 | Morehouse Parish | $1,148 | Relatively Low | $108,700 |
| 17 | Grant Parish | $1,156 | Very Low | $135,900 |
| 18 | Winn Parish | $1,197 | Very Low | $102,600 |
| 19 | Webster Parish | $1,206 | Relatively Low | $105,600 |
| 20 | Beauregard Parish | $1,214 | Relatively Low | $164,500 |
| 21 | Vernon Parish | $1,214 | Relatively Low | $143,500 |
| 22 | West Baton Rouge Parish | $1,284 | Very Low | $225,900 |
| 23 | Union Parish | $1,289 | Relatively Low | $115,400 |
| 24 | Catahoula Parish | $1,300 | Very Low | $88,000 |
| 25 | Red River Parish | $1,341 | Very Low | $103,200 |
| 26 | Avoyelles Parish | $1,369 | Relatively Low | $120,200 |
| 27 | Claiborne Parish | $1,457 | Very Low | $82,400 |
| 28 | East Baton Rouge Parish | $1,520 | Relatively High | $241,800 |
| 29 | St. Landry Parish | $1,578 | Relatively Moderate | $142,900 |
| 30 | Sabine Parish | $1,640 | Relatively Low | $129,400 |
| 31 | St. Helena Parish | $1,680 | Very Low | $106,400 |
| 32 | East Carroll Parish | $1,814 | Very Low | $87,400 |
| 33 | Allen Parish | $1,823 | Relatively Low | $110,800 |
| 34 | Evangeline Parish | $1,875 | Relatively Low | $118,500 |
| 35 | Pointe Coupee Parish | $1,891 | Relatively Low | $174,500 |
| 36 | Lafayette Parish | $1,911 | Relatively High | $234,200 |
| 37 | East Feliciana Parish | $1,950 | Relatively Low | $213,700 |
| 38 | Orleans Parish | $1,961 | Relatively High | $296,400 |
| 39 | Washington Parish | $1,970 | Relatively Moderate | $139,400 |
| 40 | Vermilion Parish | $2,021 | Relatively Moderate | $159,700 |
| 41 | Madison Parish | $2,055 | Very Low | $90,600 |
| 42 | Jefferson Parish | $2,096 | Relatively High | $243,500 |
| 43 | Calcasieu Parish | $2,124 | Relatively High | $208,500 |
| 44 | Tangipahoa Parish | $2,140 | Relatively Moderate | $204,600 |
| 45 | St. Bernard Parish | $2,197 | Relatively Low | $192,100 |
| 46 | Lafourche Parish | $2,213 | Relatively Moderate | $190,800 |
| 47 | Tensas Parish | $2,214 | Very Low | $80,300 |
| 48 | St. Martin Parish | $2,353 | Relatively Moderate | $151,000 |
| 49 | Acadia Parish | $2,354 | Relatively Moderate | $146,900 |
| 50 | Jefferson Davis Parish | $2,371 | Relatively Low | $145,000 |
| 51 | Iberia Parish | $2,373 | Relatively Moderate | $156,000 |
| 52 | Assumption Parish | $2,400 | Relatively Low | $141,200 |
| 53 | St. Tammany Parish | $2,410 | Relatively High | $272,200 |
| 54 | Iberville Parish | $2,431 | Relatively Low | $177,100 |
| 55 | West Feliciana Parish | $2,467 | Very Low | $263,200 |
| 56 | Ascension Parish | $2,567 | Relatively Moderate | $265,300 |
| 57 | St. Charles Parish | $3,047 | Relatively Moderate | $256,800 |
| 58 | St. James Parish | $3,082 | Relatively Low | $197,800 |
| 59 | St. John the Baptist Parish | $3,109 | Relatively Moderate | $184,000 |
| 60 | Livingston Parish | $3,225 | Relatively High | $218,900 |
| 61 | St. Mary Parish | $3,243 | Relatively Moderate | $128,000 |
| 62 | Terrebonne Parish | $3,362 | Relatively Moderate | $189,100 |
| 63 | Plaquemines Parish | $3,427 | Relatively Low | $275,800 |
| 64 | Cameron Parish | $5,194 | Very Low | $183,300 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Louisiana