Home Insurance in East Baton Rouge Parish, Louisiana
Homes in East Baton Rouge Parish carry a median value of $248,800 - 15% higher than the Louisiana median.
The typical home in East Baton Rouge Parish was built around 1984. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 14% of homes were built before 1960, about 5 points below Louisiana's 18%.
The housing stock in East Baton Rouge Parish is 64% single-family homes, 24% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
61% of owner-occupied homes in East Baton Rouge Parish carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
East Baton Rouge Parish has an owner-occupancy rate of 59% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In East Baton Rouge Parish, 65% of homes are primarily heated with electricity.
FEMA's National Risk Index lists tornado (Very High), hurricane (Very High) and inland flooding (Relatively High) as the leading hazards for East Baton Rouge Parish.
East Baton Rouge Parish had 39,471 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 | $248,800 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Tornado (Very High), Hurricane (Very High), Inland Flooding (Relatively High) |
| Active NFIP flood policies (county) | 39,471 |
| 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)