Home Insurance in Lutcher, Louisiana
The median home value in Lutcher is $219,600, close to the St. James Parish median.
The typical home in Lutcher was built around 1970. About 26% of homes were built before 1960, about 8 points above St. James Parish's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Lutcher, the housing stock is 93% single-family homes, 2% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Lutcher, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 83% of occupied homes in Lutcher are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Lutcher, 51% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Lutcher? FEMA's National Risk Index points to hurricane (Relatively High) in St. James Parish and St. James Parish had 1,074 active NFIP flood policies as of September 2026. See the full St. James 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 | $219,600 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in St. James Parish | 1,074 |
| 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)