Home Insurance in Baldwin, Louisiana
Homes in Baldwin carry a median value of $129,400 - 7% lower than the St. Mary Parish median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Baldwin was built around 1987. About 23% of homes were built before 1960, in line with St. Mary Parish (24%).
The housing stock in Baldwin is 71% single-family homes, 1% apartments in buildings with 5+ units and 28% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
34% of owner-occupied homes in Baldwin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 58% of occupied homes in Baldwin are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
58% of homes in Baldwin are primarily heated with electricity.
St. Mary Parish had 2,834 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively High). See the full St. Mary 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 | $129,400 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in St. Mary Parish | 2,834 |
| 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)