Home Insurance in Napoleonville, Louisiana
The typical home in Napoleonville was built around 1967. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 32% of homes were built before 1960, about 13 points above Assumption Parish's 19%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Napoleonville is 66% single-family homes, 2% apartments in buildings with 5+ units and 24% mobile or manufactured homes.
In Napoleonville, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Napoleonville has an owner-occupancy rate of 50% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
68% of homes in Napoleonville are primarily heated with electricity.
What's the biggest home insurance risk near Napoleonville? FEMA's National Risk Index points to hurricane (Relatively High) in Assumption Parish and Assumption Parish had 1,023 active NFIP flood policies as of September 2026. See the full Assumption 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 year built | 1967 |
|---|---|
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Assumption Parish | 1,023 |
| 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)