Home Insurance in Reeves, Louisiana
The median home value in Reeves is $84,700, 19% lower than the Allen Parish median.
The typical home in Reeves was built around 1985. About 26% of homes were built before 1960, about 5 points above Allen Parish's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Reeves, the housing stock is 48% single-family homes and 52% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Reeves, about 33% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 69% of occupied homes in Reeves are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Reeves, 72% of homes are primarily heated with electricity.
FEMA rates Allen Parish's overall risk as Relatively Low, led by hurricane (Relatively Moderate). 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.
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 | $84,700 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)