Home Insurance in Arcadia, Louisiana
The median home value in Arcadia is $93,700, 6% lower than the Bienville Parish median.
The typical home in Arcadia was built around 1970. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 30% of homes were built before 1960, about 10 points above Bienville Parish's 21%.
In Arcadia, the housing stock is 72% single-family homes, 9% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Arcadia, about 33% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 52% of occupied homes in Arcadia are owner-occupied.
In Arcadia, 51% of homes are primarily heated with electricity.
Bienville Parish's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Bienville Parish had 9 active NFIP flood policies as of September 2026. See the full Bienville 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 | $93,700 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Bienville Parish | 9 |
| 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)