What is Louisiana Housing Corporation (LHC)?

LHC at lhc.la.gov provides first mortgage programs and DPA for qualifying Louisiana homebuyers.

Does Louisiana require flood insurance?

Flood insurance is required by lenders for homes in FEMA-designated Special Flood Hazard Areas. In Louisiana, this covers many coastal and some inland properties. Factor flood insurance into your monthly budget.

How do hurricane risks affect Louisiana mortgages?

Lenders require homeowners insurance; in Louisiana's coastal and near-coastal markets, wind/hurricane coverage can be expensive. Many properties require a separate wind policy (Louisiana Citizens Property Insurance Corporation provides backstop coverage).

Are Louisiana home prices affordable?

Louisiana's median home prices are below national averages, but insurance costs increase effective total ownership costs — especially in coastal markets.

Where can I find a HUD counselor in Louisiana?

HUD lists approved housing counselors at hud.gov/states/louisiana.

Mortgages in Louisiana

Louisiana offers below-average median home prices, but insurance costs — driven by hurricane and flood risk — add meaningfully to total homeownership costs. New Orleans, Baton Rouge, and Lafayette are the primary markets. Coastal markets require flood insurance for most properties.

More Louisiana guides

Personal Loans in Louisiana Auto Insurance in Louisiana Homeowners Insurance in Louisiana Renters Insurance in Louisiana Auto Loans in Louisiana Student Loans in Louisiana Life Insurance in Louisiana High-Yield Savings in Louisiana

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