Home Insurance in Delcambre, Louisiana
The median home value in Delcambre is $128,000, 22% lower than the Vermilion Parish median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Delcambre was built around 1979. About 26% of homes were built before 1960, about 4 points above Vermilion Parish's 22%.
In Delcambre, the housing stock is 76% single-family homes, 3% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Delcambre, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Delcambre has an owner-occupancy rate of 71% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
80% of homes in Delcambre are primarily heated with electricity.
FEMA rates Vermilion Parish's overall risk as Relatively Moderate, led by hurricane (Relatively High). Vermilion Parish had 4,414 active NFIP flood policies as of September 2026. See the full Vermilion Parish home insurance overview for all FEMA hazard ratings and flood coverage details.
In Louisiana, the statewide average premium for a standard HO-3 homeowners policy is $3,027 per year (NAIC, 2023 data).
Key figures
| Median home value | $128,000 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Vermilion Parish | 4,414 |
| 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)