Home Insurance in Iota, Louisiana
With a median home value of $157,500, Iota is close to the Acadia Parish median.
The typical home in Iota was built around 1979. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 24% of homes were built before 1960, in line with Acadia Parish (23%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Iota is 66% single-family homes, 16% apartments in buildings with 5+ units and 17% mobile or manufactured homes.
In Iota, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Iota are owner-occupied.
Most homes in Iota - 77% - are primarily heated with electricity.
FEMA rates Acadia Parish's overall risk as Relatively Moderate, led by hurricane (Relatively High). 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.
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 | $157,500 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)