HomeInsuranceQts

Home Insurance in Morse, Louisiana

Homes in Morse carry a median value of $82,600 - 47% lower than the Acadia Parish median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Morse was built around 1990. About 17% of homes were built before 1960, about 6 points below Acadia Parish's 23%.

In Morse, the housing stock is 50% single-family homes and 48% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Morse, about 22% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Morse has an owner-occupancy rate of 55% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.

In Morse, 76% of homes are primarily heated with electricity.

Acadia Parish had 2,312 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively High). See the full Acadia Parish home insurance overview for all FEMA hazard ratings and flood coverage details.

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$82,600
Median year built1990
Owner-occupied share55%
Share of owner-occupied homes with a mortgage22%
Top county hazardHurricane (Relatively High)
Active NFIP policies in Acadia Parish2,312
Home insurance premium$3,027 - statewide average (NAIC, 2023 data)
Key home insurance figures for Morse, LA

Nearby towns

Sources

Data last updated: 2026-09-29