Home Insurance in Simmesport, Louisiana
Homes in Simmesport carry a median value of $63,100 - 48% lower than the Avoyelles Parish median.
The typical home in Simmesport was built around 1975. About 18% of homes were built before 1960, about 4 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 Simmesport is 61% single-family homes, 1% apartments in buildings with 5+ units and 17% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
46% of owner-occupied homes in Simmesport carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 62% of occupied homes in Simmesport are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Simmesport, 64% of homes are primarily heated with electricity.
Avoyelles Parish's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Louisiana carries a statewide average premium of $3,027 per year.
Key figures
| Median home value | $63,100 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)