Home Insurance in Bienville, Louisiana
The typical home in Bienville was built around 1966. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 44% of homes were built before 1960, about 24 points above Bienville Parish's 21%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bienville is 55% single-family homes and 45% mobile or manufactured homes.
38% of owner-occupied homes in Bienville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 37% of occupied homes in Bienville are owner-occupied. The vacancy rate is 42%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Bienville, 51% of homes are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Bienville Parish's overall risk as Very Low, led by strong wind (Relatively Moderate). 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 year built | 1966 |
|---|---|
| Owner-occupied share | 37% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)