Home Insurance in Bienville Parish, Louisiana
Homes in Bienville Parish carry a median value of $99,500 - 54% lower than the Louisiana median.
The typical home in Bienville Parish was built around 1979. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 21% of homes were built before 1960, about 2 points above Louisiana's 18%.
In Bienville Parish, the housing stock is 61% single-family homes, 3% apartments in buildings with 5+ units and 32% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Bienville Parish, about 33% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bienville Parish has an owner-occupancy rate of 70% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
63% of homes in Bienville Parish are primarily heated with electricity.
FEMA's National Risk Index lists strong wind (Relatively Moderate), hurricane (Relatively Low) and tornado (Relatively Low) as the leading hazards for Bienville Parish.
Bienville Parish had 9 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $99,500 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Hurricane (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 9 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Towns and cities
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)