Home Insurance in Elizabeth, Louisiana
Homes in Elizabeth carry a median value of $68,000 - 35% lower than the Allen Parish median.
The typical home in Elizabeth was built around 1978. About 34% of homes were built before 1960, about 13 points above Allen Parish's 21%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Elizabeth is 70% single-family homes, 2% apartments in buildings with 5+ units and 18% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Elizabeth, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 53% of occupied homes in Elizabeth are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
56% of homes in Elizabeth are primarily heated with natural gas.
What's the biggest home insurance risk near Elizabeth? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Allen Parish and Allen Parish had 316 active NFIP flood policies as of September 2026. See the full Allen 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 | $68,000 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Allen Parish | 316 |
| 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)