Home Insurance in Church Point, Louisiana
With a median home value of $96,700, Church Point is 38% lower than the Acadia Parish median.
The typical home in Church Point was built around 1988. About 17% of homes were built before 1960, about 6 points below Acadia Parish's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Church Point, the housing stock is 66% single-family homes, 2% apartments in buildings with 5+ units and 21% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Church Point, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 52% of occupied homes in Church Point are owner-occupied.
67% of homes in Church Point are primarily heated with electricity.
Acadia Parish's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. Acadia Parish had 2,312 active NFIP flood policies as of September 2026. See the full Acadia 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 | $96,700 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Acadia Parish | 2,312 |
| 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)