NEW ORLEANS — The interactive map below is based on a WWL-TV analysis of Louisiana Citizens Property Insurance Corp. homeowners’ policy data. You can roll your cursor over each ZIP code area to see the average insurance premium Citizens charged in that ZIP code last year for every $1,000 of dwelling coverage purchased.
You can also use the search bar to search for specific ZIP codes. The ZIP codes in gray did not have any Citizens policies of the kind we used for our analysis.
This is a way to compare rates across ZIP codes, but it’s important to note that variations are caused by several factors. Citizens charges its premiums based on private market rates, and private companies use catastrophe modeling to determine where risks of damage are higher or lower. Also, insurers usually charge more for the first $100,000 of coverage, so the more a home is insured for, the less the policyholder pays for every $1,000 in coverage.
WWL-TV received data from Citizens for all 19,560 HO3 (standard homeowners’) Fair Plan policies in the state, through a public records request. The station performed its analysis on about half of those policies – 9,731 of them – that had the same deductibles – a 2% hurricane deductible and a $2,500 all-other-perils deductible – and initiated in 2022.
The data WWL-TV received was anonymized, meaning names and addresses were redacted by Citizens before turning over the records. The only location identifier disclosed for each policy was its ZIP Code.
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