Home Insurance in Acadia Parish, Louisiana
The median home value in Acadia Parish is $155,500, 28% lower than the Louisiana median.
The typical home in Acadia Parish was built around 1980. About 23% of homes were built before 1960, about 5 points above Louisiana's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Acadia Parish is 73% single-family homes, 3% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
39% of owner-occupied homes in Acadia Parish carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 67% of occupied homes in Acadia Parish are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Acadia Parish - 71% - are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively High), inland flooding (Relatively Moderate) and tornado (Relatively Moderate) as the leading hazards for Acadia Parish.
Acadia Parish had 2,312 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Louisiana carries a statewide average premium of $3,027 per year.
Key figures
| Median home value | $155,500 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Inland Flooding (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 2,312 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)