Home Insurance in Avoyelles Parish, Louisiana
The median home value in Avoyelles Parish is $122,400, 43% lower than the Louisiana median.
The typical home in Avoyelles Parish was built around 1980. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 22% of homes were built before 1960, about 4 points above Louisiana's 18%.
In Avoyelles Parish, the housing stock is 72% single-family homes, 2% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
40% of owner-occupied homes in Avoyelles Parish carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Avoyelles Parish has an owner-occupancy rate of 70% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
52% of homes in Avoyelles Parish are primarily heated with electricity.
The top hazards for Avoyelles Parish, per FEMA's National Risk Index, are hurricane (Relatively Moderate), tornado (Relatively Moderate) and strong wind (Relatively Moderate).
Avoyelles Parish had 848 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Louisiana, the statewide average premium for a standard HO-3 homeowners policy is $3,027 per year (NAIC, 2023 data).
Key figures
| Median home value | $122,400 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Tornado (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 848 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Towns and cities
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)