Home Insurance in Lake Charles, Louisiana
With a median home value of $214,300, Lake Charles is close to the Calcasieu Parish median.
The typical home in Lake Charles was built around 1981. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 23% of homes were built before 1960, about 6 points above Calcasieu Parish's 17%.
Housing in Lake Charles breaks down to 70% single-family homes, 18% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 54% of owner-occupied homes in Lake Charles have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 61% of occupied homes in Lake Charles are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
62% of homes in Lake Charles are primarily heated with electricity.
Calcasieu Parish had 12,483 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). See the full Calcasieu Parish home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Louisiana is $3,027 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $214,300 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Calcasieu Parish | 12,483 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Nearby towns
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)