Home Insurance in Port Allen, Louisiana
The median home value in Port Allen is $181,300, 21% lower than the West Baton Rouge Parish median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Port Allen was built around 1964. About 46% of homes were built before 1960, about 34 points above West Baton Rouge Parish's 13%.
The housing stock in Port Allen is 79% single-family homes, 3% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 54% of owner-occupied homes in Port Allen have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Port Allen are owner-occupied.
Most homes in Port Allen - 58% - are primarily heated with electricity.
FEMA rates West Baton Rouge Parish's overall risk as Very Low, led by hurricane (Relatively Moderate). 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.
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 | $181,300 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)