Home Insurance in Oakdale, Louisiana
The median home value in Oakdale is $98,700, 6% lower than the Allen Parish median.
The typical home in Oakdale was built around 1970. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 38% of homes were built before 1960, about 18 points above Allen Parish's 21%.
The housing stock in Oakdale is 82% single-family homes, 3% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
29% of owner-occupied homes in Oakdale carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 67% of occupied homes in Oakdale are owner-occupied. The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Oakdale - 55% - are primarily heated with natural gas.
Allen Parish had 316 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Allen 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 | $98,700 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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)