Home Insurance in Carencro, Louisiana
The median home value in Carencro is $214,800, 12% lower than the Lafayette Parish median.
The typical home in Carencro was built around 1988. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 11% of homes were built before 1960, in line with Lafayette Parish (11%).
The housing stock in Carencro is 70% single-family homes, 15% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
64% of owner-occupied homes in Carencro carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Carencro are owner-occupied.
In Carencro, 78% of homes are primarily heated with electricity.
FEMA rates Lafayette Parish's overall risk as Relatively High, led by hurricane (Very High). Lafayette Parish had 17,040 active NFIP flood policies as of September 2026. See the full Lafayette 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 | $214,800 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Lafayette Parish | 17,040 |
| 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)