Baton Rouge, LA

11 ZIP codes — Louisiana

Compare quotes in Baton Rouge, LA

See rates from top carriers

Avg Premium (2025 Est.)

$2,830

+12.6% from 2022

Stress Score

62/100

Nonrenewal Rate

0.89%

Insurance/Income

4.7%

ZIP Codes in Baton Rouge

ZIP	Avg Premium	Stress Score	Risk
70802	$2,331	75	High
70805	$2,217	72	High
70807	$2,360	70	High
70820	$2,591	67	High
70806	$2,763	64	High
70814	$2,438	62	High
70815	$2,403	60	Elevated
70809	$2,957	56	Elevated
70808	$3,184	55	Elevated
70816	$2,380	53	Elevated
70819	$2,033	53	Elevated

Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.