Home Insurance in Addis, Louisiana
With a median home value of $247,400, Addis is 8% higher than the West Baton Rouge Parish median.
The typical home in Addis was built around 2012. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 2% of homes were built before 1960, about 11 points below West Baton Rouge Parish's 13%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Addis is 80% single-family homes, 8% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
85% of owner-occupied homes in Addis carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Addis are owner-occupied.
Most homes in Addis - 69% - are primarily heated with electricity.
West Baton Rouge Parish's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. West Baton Rouge Parish had 1,301 active NFIP flood policies as of September 2026. See the full West Baton Rouge 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 | $247,400 |
|---|---|
| Median year built | 2012 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 85% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in West Baton Rouge Parish | 1,301 |
| 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)