Home Insurance in St. Charles Parish, Louisiana
The median home value in St. Charles Parish is $263,700, 22% higher than the Louisiana median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in St. Charles Parish was built around 1986. About 12% of homes were built before 1960, about 7 points below Louisiana's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in St. Charles Parish is 79% single-family homes, 5% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
About 60% of owner-occupied homes in St. Charles Parish have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 82% of occupied homes in St. Charles Parish are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in St. Charles Parish - 58% - are primarily heated with electricity.
Per FEMA's National Risk Index, St. Charles Parish's top hazards are hurricane (Relatively High), coastal flooding (Very High) and tornado (Relatively Moderate).
St. Charles Parish had 10,392 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 | $263,700 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Coastal Flooding (Very High), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 10,392 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Sources
- 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)