Home Insurance in Rayne, Louisiana
With a median home value of $156,500, Rayne is close to the Acadia Parish median.
The typical home in Rayne was built around 1975. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 22% of homes were built before 1960, about 1 point below Acadia Parish's 23%.
The housing stock in Rayne is 76% single-family homes, 5% apartments in buildings with 5+ units and 8% 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.
30% of owner-occupied homes in Rayne carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Rayne has an owner-occupancy rate of 54% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Rayne - 54% - are primarily heated with natural gas.
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.
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 | $156,500 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 54% |
| 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)