Home Insurance in Plaucheville, Louisiana
Homes in Plaucheville carry a median value of $118,300 - close to the Avoyelles Parish median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Plaucheville was built around 1981. About 19% of homes were built before 1960, about 3 points below Avoyelles Parish's 22%.
In Plaucheville, the housing stock is 64% single-family homes, 24% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Plaucheville, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Plaucheville has an owner-occupancy rate of 55% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
73% of homes in Plaucheville are primarily heated with electricity.
What's the biggest home insurance risk near Plaucheville? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Avoyelles Parish and 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 | $118,300 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)