Home Insurance in LaSalle Parish, Louisiana
The median home value in LaSalle Parish is $119,500, 45% lower than the Louisiana median.
The typical home in LaSalle Parish was built around 1983. About 19% of homes were built before 1960, in line with Louisiana (18%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In LaSalle Parish, the housing stock is 63% single-family homes, 2% apartments in buildings with 5+ units and 32% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In LaSalle Parish, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 81% of occupied homes in LaSalle Parish are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in LaSalle Parish - 71% - 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.
Per FEMA's National Risk Index, LaSalle Parish's top hazards are hurricane (Relatively Low), earthquake (Very Low) and strong wind (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
LaSalle Parish had 71 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 | $119,500 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Earthquake (Very Low), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 71 |
| 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)