Home Insurance in Hessmer, Louisiana
The median home value in Hessmer is $171,300, 40% higher than the Avoyelles Parish median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Hessmer was built around 1978. About 17% of homes were built before 1960, about 5 points below Avoyelles Parish's 22%.
The housing stock in Hessmer is 78% single-family homes, 5% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
37% of owner-occupied homes in Hessmer carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 65% of occupied homes in Hessmer are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Hessmer, 60% of homes are primarily heated with natural gas.
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 home value | $171,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)