Home Insurance in Moreauville, Louisiana
Homes in Moreauville carry a median value of $148,400 - 21% higher than the Avoyelles Parish median.
The typical home in Moreauville was built around 1978. About 20% of homes were built before 1960, about 2 points below Avoyelles Parish's 22%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Moreauville is 76% single-family homes, 2% apartments in buildings with 5+ units and 16% mobile or manufactured homes.
In Moreauville, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Moreauville has an owner-occupancy rate of 68% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
59% of homes in Moreauville are primarily heated with electricity.
Avoyelles Parish had 848 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Avoyelles 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 | $148,400 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)