Home Insurance in Estherwood, Louisiana
Homes in Estherwood carry a median value of $88,900 - 43% lower than the Acadia Parish median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Estherwood was built around 1975. About 40% of homes were built before 1960, about 16 points above Acadia Parish's 23%.
The housing stock in Estherwood is 66% single-family homes and 19% 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.
About 30% of owner-occupied homes in Estherwood have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Estherwood has an owner-occupancy rate of 65% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
60% of homes in Estherwood 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 | $88,900 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 30% |
| 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)