Home Insurance in Evergreen, Louisiana
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Evergreen was built around 1981. About 37% of homes were built before 1960, about 15 points above Avoyelles Parish's 22%.
The housing stock in Evergreen is 64% single-family homes, 2% apartments in buildings with 5+ units and 21% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
36% of owner-occupied homes in Evergreen carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 79% of occupied homes in Evergreen are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
61% of homes in Evergreen are primarily heated with electricity.
FEMA rates Avoyelles Parish's overall risk as Relatively Low, led by hurricane (Relatively Moderate). Avoyelles Parish had 848 active NFIP flood policies as of September 2026. See the full Avoyelles Parish home insurance overview for all FEMA hazard ratings and flood coverage details.
In Louisiana, the statewide average premium for a standard HO-3 homeowners policy is $3,027 per year (NAIC, 2023 data).
Key figures
| Median year built | 1981 |
|---|---|
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Avoyelles Parish | 848 |
| 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)