Houma has 32,392 residents in 13,346 households. We list 3 agencies for home insurance in Houma. Here is what the local numbers say about the cover people here need.

Houma at a glance

3home insurance agencies listed
27.6%of households rentRenters insurance
$205,900median home valueHome insurance
1973median year homes were builtRebuild cost calculator
7.9%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Terrebonne Parish

FEMA rates the overall natural hazard risk in Terrebonne Parish, where most Houma agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

HurricaneVery High
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance in Houma
Coastal floodingRelatively High
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Houma
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Houma

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Louisiana

Louisiana requires drivers to carry at least $15,000 of bodily injury liability per person, $30,000 per accident and $25,000 of property damage liability, often written 15/30/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Houma How much liability cover do you need?

Source: ldi.la.gov. Checked 2026-10-24.

Where Houma agencies are

Houma agencies we list sit in 2 ZIP codes, mostly in Terrebonne Parish.

703602 agencies
703631 agency

Questions

Home insurance in Houma

All insurance agencies in Houma · Home insurance across Louisiana

Where can I find home insurance in Houma?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does home insurance cover?

Covers your building, your contents and your liability as a homeowner.

Do I need flood insurance in Houma?

FEMA's National Risk Index rates coastal flooding risk in Terrebonne Parish as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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