Home Insurance in Central, Louisiana
The median home value in Central is $288,700, 16% higher than the East Baton Rouge Parish median.
The typical home in Central was built around 1990. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 4% of homes were built before 1960, about 9 points below East Baton Rouge Parish's 14%.
The housing stock in Central is 85% single-family homes, 4% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Central, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Central has an owner-occupancy rate of 89% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Central - 55% - are primarily heated with electricity.
FEMA rates East Baton Rouge Parish's overall risk as Relatively High, led by tornado (Very High). East Baton Rouge Parish had 39,471 active NFIP flood policies as of September 2026. See the full East Baton Rouge 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 | $288,700 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in East Baton Rouge Parish | 39,471 |
| 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)