Home Insurance in Calcasieu Parish, Louisiana
The median home value in Calcasieu Parish is $217,000, close to the Louisiana median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Calcasieu Parish was built around 1989. About 17% of homes were built before 1960, about 2 points below Louisiana's 18%.
The housing stock in Calcasieu Parish is 70% single-family homes, 10% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 51% of owner-occupied homes in Calcasieu Parish have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Calcasieu Parish has an owner-occupancy rate of 73% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
In Calcasieu Parish, 69% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Calcasieu Parish's top hazards are hurricane (Very High), tornado (Relatively High) and inland flooding (Relatively High).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Calcasieu Parish has 12,483 active NFIP flood policies on file.
In Louisiana, the statewide average premium for a standard HO-3 homeowners policy is $3,027 per year (NAIC, 2023 data).
Key figures
| Median home value | $217,000 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Hurricane (Very High), Tornado (Relatively High), Inland Flooding (Relatively High) |
| Active NFIP flood policies (county) | 12,483 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)