Louisiana

Louisiana does not operate an ADU-specific statewide loan, grant, or forgivable-loan program. The Louisiana Housing Corporation (LHC) is the state housing finance agency and administers down-payment-assistance programs (Mortgage Revenue Bond Assisted, MRB Home, MRB Home Assisted), the LHC Preferred Conventional Program, the HOME Program (for development), the Rental Restoration and Development Program (RRDP), Weatherization Assistance, and HUD-funded affordable housing development. None target ADU construction directly. ADU costs may be financed through standard renovation or construction-loan products under LHC programs when the ADU is part of a qualifying primary-residence transaction.

• LHC Preferred Conventional Program (Louisiana Housing Corporation)
• LHC MRB Home Programs (Louisiana Housing Corporation)
• LHC HOME Program (Louisiana Housing Corporation)
• LHC Rental Restoration and Development Program (RRDP) (Louisiana Housing Corporation)

Louisiana operates one of the most ADU-relevant state insurance regimes in the country because of its hurricane and wind exposure. Louisiana Citizens Property Insurance Corporation, created by the Louisiana Legislature, is the state's nonprofit insurer of last resort and runs two parallel residual-market plans: (1) the Coastal Plan, providing wind and hail coverage for properties in coastal parishes between the Gulf of Mexico and the Intracoastal Waterway (Cameron, Plaquemines, Terrebonne, and others); and (2) the FAIR Plan, covering properties above the Intracoastal Waterway with fire, extended coverage, and homeowners insurance. Eligibility requires at least one declination from a private carrier (documented by the producer). State law historically required a 10% surcharge on Citizens premiums to keep it from competing with private carriers; the surcharge was waived for three years starting 2025-01-01 as part of Insurance Commissioner Tim Temple's reform package. Louisiana also has high hurricane-deductible exposure; ADUs in coastal parishes face significantly elevated premiums and deductibles compared to inland properties. ADUs are typically covered as accessory structures under standard homeowner policies (often at ~10% of dwelling coverage) or require a dwelling-fire or landlord endorsement when rented; Citizens covers eligible properties on the same dwelling-fire / homeowner basis without ADU-specific provisions.