# Insurance Agency in Raceland, LA | Ohlmeyer Insurance > Ohlmeyer Insurance in Raceland, LA: 4767 Hwy 1, Suite A. Auto, home, flood, life and business coverage for Lafourche Parish. Call or text (985) 876-0116. Source: https://ohlmeyerinsurance.com/raceland/ [Home](https://ohlmeyerinsurance.com/) / Raceland, Louisiana # Your Raceland insurance office on Highway 1. David Ohlmeyer Jr. and his team now have an office in Raceland. We help Lafourche Parish families protect their homes, cars, boats and businesses through hurricane season and beyond, and we explain it all in plain English. [Get My Free Quote](https://ohlmeyerinsurance.com/quote) [or call **(985) 876-0116**](tel:+19858760116) **25+ Years** In the Community **4.6** From 451 Verified Reviews **Local** Agency in Raceland **Call or text** (985) 876-0116 The Quick Answer **Ohlmeyer Insurance** has a **local insurance office at 4767 Hwy 1, Suite A, in Raceland, Louisiana**, in Lafourche Parish. It shares the Houma line, so you can **call or text (985) 876-0116**; call ahead before you visit. Agent **David Ohlmeyer Jr.** holds a Bachelor of Science from Nicholls State University and has **25+ years in the community**. We write auto, home, condo, renters, landlord, umbrella, motorcycle, RV, boat, life and business coverage, plus **NFIP flood** policies. Raceland homeowners should know their **named-storm deductible** and carry **separate flood coverage**. Louisiana's auto minimum is **15/30/25**. We have **4.6 stars from 451 verified customer reviews**. Office 4767 Hwy 1, Suite A, Raceland, LA 70394 Hours Call ahead: (985) 876-0116 Rating 4.6 from 451 verified customer reviews Call or text [(985) 876-0116](tel:+19858760116) ## Visit the Raceland office. Or just call or text. Our Raceland office is on Highway 1 in Lafourche Parish. It runs on the same phone line as our Houma office, so one call or text reaches the same team. Most quotes can be handled by phone, and we're glad to sit down in person when that's easier. Address Raceland ### 4767 Hwy 1, Suite A Raceland, LA 70394 [Open in Google Maps](https://www.google.com/maps/search/?api=1&query=4767%20Hwy%201%20Suite%20A%2C%20Raceland%2C%20LA%2070394) · [Get directions](https://www.google.com/maps/dir/?api=1&destination=4767%20Hwy%201%20Suite%20A%2C%20Raceland%2C%20LA%2070394) Phone & text [(985) 876-0116](tel:+19858760116) ### Same line as Houma Texts welcome on this line. Fax: (985) 655-9284. Quotes, questions and policy reviews all start here. Visiting Call ahead ### We'll make sure someone's there Call or text before you stop by the Raceland office. Our [Houma office](https://ohlmeyerinsurance.com/houma/) is open Monday to Friday, 8:00 AM to 5:00 PM Central. Already a customer? Visit the [Service Center](https://ohlmeyerinsurance.com/service-center/). Bayou Lafourche Roots ## A closer office for Lafourche. Same local team. Raceland is our third office, alongside [Houma](https://ohlmeyerinsurance.com/houma/) and [Lafayette](https://ohlmeyerinsurance.com/lafayette/). David Ohlmeyer Jr. is a local insurance agent with 25+ years in the community and a Bachelor of Science from Nicholls State University in nearby Thibodaux. We've worked with Lafourche Parish families from our Houma office for years. Now there's a door to knock on up the bayou. We know what hurricane season means here, what Ida did across the parish in 2021, and why a flood policy matters even when your lender doesn't require one. The approach is simple: **Local coverage, local service.** We explain your options, help you pick the coverage that fits and stay with you as your needs change, from your first policy to your next storm season. [Meet David](https://ohlmeyerinsurance.com/about-david-ohlmeyer). ## Coverage we write for Raceland families and businesses. Local coverage, local service. Personal and business coverage, explained in plain English. Pick a line to learn more, or [request a quote](https://ohlmeyerinsurance.com/quote-request) for anything below. Coverage is subject to terms, conditions and availability. [Auto Coverage built above Louisiana's 15/30/25 minimum, with uninsured motorist protection offered at your liability limits.](https://ohlmeyerinsurance.com/auto-insurance) [Home Dwelling limits set to rebuild cost, with a clear look at your named-storm deductible before hurricane season.](https://ohlmeyerinsurance.com/home-insurance) [Umbrella A personal umbrella policy adds liability above your home and auto, for households with assets to protect.](https://ohlmeyerinsurance.com/umbrella-insurance) [Condo Unit-owner coverage for the gaps between you and the association's master policy.](https://ohlmeyerinsurance.com/condo-insurance) [Renters Your belongings, your liability and somewhere to stay if the apartment becomes unlivable.](https://ohlmeyerinsurance.com/renters-insurance) [Landlords & Hosts Coverage for rental homes you own, whether you rent long-term or host short stays.](https://ohlmeyerinsurance.com/landlord-insurance) [Flood A government-run NFIP policy, bought through an insurance agent. There's a 30-day waiting period in most cases.](https://ohlmeyerinsurance.com/flood-insurance) [RV, Boat & ATV RV and motorhome, boat and ATV coverage for life on the water and the back roads.](https://ohlmeyerinsurance.com/rv-insurance) [Motorcycle Liability and physical damage coverage for Louisiana riders. Remember, Louisiana requires every rider to wear a helmet.](https://ohlmeyerinsurance.com/motorcycle-insurance) [Life Term, whole and universal life, sized to the people who depend on you. May be offered and issued by third-party companies.](https://ohlmeyerinsurance.com/life-insurance) [Business small business insurance for local small businesses, from an agent who runs one too.](https://ohlmeyerinsurance.com/business-insurance) ### Already insured? Let's look at what you have. Bring in your declarations pages or text us a photo. We'll check your limits, your named-storm deductible and any flood gaps, and point out discounts you may qualify for, such as the multi-policy bundle. Discounts vary and are subject to terms, conditions and availability. No pressure either way. [Get My Free Quote](https://ohlmeyerinsurance.com/quote) [Call (985) 876-0116](tel:+19858760116) Insuring a Raceland Home and Family ## What we look at first in Raceland. Wind, water and the road. Every policy is different, but the same few questions come up again and again with Lafourche Parish customers. Here's how we think about them. ### Hurricane season and named-storm deductibles Hurricane Ida made landfall near Port Fourchon, at the southern tip of Lafourche Parish, on Aug. 29, 2021, and its winds tore across the parish. Coastal [homeowners policies](https://ohlmeyerinsurance.com/home-insurance) commonly carry a separate percentage deductible for named storms or hurricanes, for example 2% or 5% of the dwelling limit. Read your declarations page so you know your number before the next storm. If you're replacing a roof, the Louisiana Fortify Homes Program offers grants of up to $10,000 toward a FORTIFIED roof, and FORTIFIED roofs earn required discounts on the hurricane portion of your premium. Amounts vary by insurer and region. If you can't find coverage elsewhere, Louisiana Citizens is the state's insurer of last resort. ### Flood risk along Bayou Lafourche Lafourche Parish is low-lying and close to the Gulf, and heavy rain alone can put water in a home. Standard home, condo and renters policies exclude flood, so it needs its own [flood policy](https://ohlmeyerinsurance.com/flood-insurance). You can buy a government-run NFIP policy through an insurance agent. NFIP limits are $250,000 for the building and $100,000 for contents, and there's a **30-day waiting period** in most cases. Check your FEMA flood zone instead of assuming, and don't wait for a storm to form. The same applies to [condo](https://ohlmeyerinsurance.com/condo-insurance) and [renters](https://ohlmeyerinsurance.com/renters-insurance) policies. ### Driving Highway 1 and beyond Louisiana's auto minimum is **15/30/25**: $15,000 of bodily injury coverage per person, $30,000 per accident and $25,000 of property damage. Your insurer must offer uninsured motorist coverage at your liability limits, and turning it down takes a signed UM rejection form. Under the 2025 reforms, the No Pay, No Play threshold was raised to $100,000, and a driver found 51% or more at fault can't recover damages. Plenty of Raceland drivers commute to Thibodaux, Houma and beyond, and the minimum often doesn't go far after a serious crash. We'll show you what higher limits and [UM coverage](https://ohlmeyerinsurance.com/auto-insurance) may cost before you decide. If you have a home and assets to protect, an [umbrella policy](https://ohlmeyerinsurance.com/umbrella-insurance) adds another layer on top. ### Boats, camps and the back roads Life in Lafourche often comes with a boat on a trailer and a few weekends a year at the water. We write [boat, RV and ATV coverage](https://ohlmeyerinsurance.com/rv-insurance), and we'll make sure it lines up with your home and auto so there's no gap between them. Coverage is subject to terms, conditions and availability. ### Raceland businesses and rental owners David is a small business owner himself. We write [business insurance](https://ohlmeyerinsurance.com/business-insurance) for local small businesses and [landlords and hosts coverage](https://ohlmeyerinsurance.com/landlord-insurance) for rental homes, so your personal and business policies can sit with one local office. Coverage is subject to terms, conditions and availability. ## Also serving. Lafourche, Terrebonne and beyond. From Raceland and Houma, we work with families and businesses across Lafourche and Terrebonne parishes, from Thibodaux down the bayou to Golden Meadow. Our [Lafayette office](https://ohlmeyerinsurance.com/lafayette/) on East Saint Mary Boulevard serves Acadiana. [Get Quote](https://ohlmeyerinsurance.com/quote) [Houma office](https://ohlmeyerinsurance.com/houma/) [Lafayette office](https://ohlmeyerinsurance.com/lafayette/) [Raceland](https://ohlmeyerinsurance.com/quote) [Thibodaux](https://ohlmeyerinsurance.com/quote) [Lockport](https://ohlmeyerinsurance.com/quote) [Larose](https://ohlmeyerinsurance.com/quote) [Cut Off](https://ohlmeyerinsurance.com/quote) [Golden Meadow](https://ohlmeyerinsurance.com/quote) [Gray](https://ohlmeyerinsurance.com/quote) [Schriever](https://ohlmeyerinsurance.com/quote) [Houma](https://ohlmeyerinsurance.com/quote) [Lafourche Parish](https://ohlmeyerinsurance.com/quote) [Terrebonne Parish](https://ohlmeyerinsurance.com/quote) ## What customers say. 4.6 stars from 451 verified customer reviews. Customer rating 4.6 ### From 451 verified customer reviews Verified reviews on David's insurance agent page. On Google, the Houma office has 4.9 stars (22 reviews). Verified customer review · Houma office ### Nelson D. “Great no hassle” Verified customer review · Houma office ### Adriana Z. “Nice customer service” ## Raceland insurance questions. Straight answers. Where is your Raceland office? Our Raceland office is at **4767 Hwy 1, Suite A, Raceland, LA 70394**, on Highway 1 in Lafourche Parish. It shares the Houma line, so call or text [(985) 876-0116](tel:+19858760116) before you stop by and we'll make sure someone is there to meet you. Our fax is (985) 655-9284. Is the Raceland phone number different from Houma? No. Raceland and Houma share one number, [(985) 876-0116](tel:+19858760116), and it takes texts. You reach the same local team either way. The Lafayette office has its own line, (337) 232-1800, for calls only. Who will I work with at the Raceland office? Ohlmeyer Insurance is a **local insurance agency** led by David Ohlmeyer Jr. He holds a Bachelor of Science from Nicholls State University and has 25+ years in the community. You get local coverage with local service from people who live here. Do I need flood insurance in Raceland? Very likely worth a look. Lafourche Parish is low-lying and storm-exposed, and standard home, condo and renters policies exclude flood. You can buy a government-run NFIP flood policy through an insurance agent. NFIP limits are $250,000 for the building and $100,000 for contents, and there's a **30-day waiting period** in most cases, so buy well before a storm is in the Gulf. Check your FEMA flood zone instead of assuming. What is a named-storm deductible on a Raceland home policy? Coastal home policies commonly carry a separate percentage deductible for named storms or hurricanes, for example 2% or 5% of the dwelling limit. On a home insured for $250,000, a 2% deductible is $5,000. Check your declarations page before hurricane season. If you're planning a new roof, ask about the Louisiana Fortify Homes Program, which offers grants of up to $10,000 toward a FORTIFIED roof. What are the minimum auto insurance requirements in Louisiana? Louisiana requires liability limits of at least **15/30/25**: $15,000 for bodily injury per person, $30,000 per accident and $25,000 for property damage. Your insurer must offer uninsured motorist bodily injury coverage at your liability limits, and rejecting it or choosing lower limits takes a signed Louisiana Department of Insurance form. Under the 2025 reforms, the No Pay, No Play threshold was raised to $100,000, and a driver found 51% or more at fault can't recover damages. The minimum can run out fast after a serious crash, so we'll show you what higher limits cost. Do you insure Raceland businesses and rental properties? Yes. David is a small business owner himself, and we write small business insurance for local small businesses plus landlords and hosts coverage for rental properties. Coverage is subject to terms, conditions and availability. Still have questions? [Call or text (985) 876-0116](tel:+19858760116) . We'll give you a straight answer. ## Start with a quote. Or see our other offices. [Get a free quote](https://ohlmeyerinsurance.com/quote) [Flood insurance](https://ohlmeyerinsurance.com/flood-insurance) [Our Houma office](https://ohlmeyerinsurance.com/houma/) [Our Lafayette office](https://ohlmeyerinsurance.com/lafayette/) ## Your Raceland insurance office, on Highway 1. Free quotes, local service, plain English. Call or text, stop by on Highway 1 or start a quote online. We'll walk you through your options. [Get My Free Quote](https://ohlmeyerinsurance.com/quote) [or call **(985) 876-0116**](tel:+19858760116) --- **Ohlmeyer Insurance** (David Ohlmeyer Jr.) · Houma: 6658 W Park Ave, Houma, LA 70364, (985) 876-0116 · Raceland: 4767 Hwy 1, Suite A, Raceland, LA 70394, (985) 876-0116 (same line as Houma) · Lafayette: 1019 E Saint Mary Blvd, Lafayette, LA 70503, (337) 232-1800 · Houma and Lafayette open Mon–Fri 8:00 AM–5:00 PM Central; call ahead for Raceland Request a quote: https://ohlmeyerinsurance.com/quote-request (plain HTML form) or https://ohlmeyerinsurance.com/quote (guided).