Home Insurance in Cameron Parish, Louisiana
With a median home value of $202,500, Cameron Parish is 6% lower than the Louisiana median.
The typical home in Cameron Parish was built around 2005. About 4% of homes were built before 1960, about 14 points below Louisiana's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Cameron Parish is 69% single-family homes, 1% apartments in buildings with 5+ units and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Cameron Parish, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Cameron Parish has an owner-occupancy rate of 95% and a vacancy rate of 42%; unoccupied homes typically need a different coverage form.
Most homes in Cameron Parish - 77% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Cameron Parish, per FEMA's National Risk Index, are wildfire (Relatively Low), coastal flooding (Relatively High) and hurricane (Relatively Moderate).
Cameron Parish had 1,065 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Louisiana carries a statewide average premium of $3,027 per year.
Key figures
| Median home value | $202,500 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Coastal Flooding (Relatively High), Hurricane (Relatively Moderate) |
| Active NFIP flood policies (county) | 1,065 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Sources
- 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)