Home Insurance in Zachary, Louisiana
The median home value in Zachary is $259,100, close to the East Baton Rouge Parish median.
The typical home in Zachary was built around 2003. About 7% of homes were built before 1960, about 7 points below East Baton Rouge Parish's 14%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Zachary is 82% single-family homes, 11% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
76% of owner-occupied homes in Zachary carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Zachary has an owner-occupancy rate of 80% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Zachary, 57% of homes are primarily heated with electricity.
East Baton Rouge Parish's top FEMA-rated hazard is tornado (Very High), per FEMA's National Risk Index. 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.
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 | $259,100 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)