Home Insurance in Jamestown, Louisiana
The median home value in Jamestown is $104,500, 5% higher than the Bienville Parish median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Jamestown was built around 1966. About 37% of homes were built before 1960, about 16 points above Bienville Parish's 21%.
In Jamestown, the housing stock is 61% single-family homes, 7% apartments in buildings with 5+ units and 31% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
48% of owner-occupied homes in Jamestown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 74% of occupied homes in Jamestown are owner-occupied. The vacancy rate is 40%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Jamestown, 63% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Jamestown? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Bienville Parish and 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.
The statewide average premium for a standard HO-3 homeowners policy in Louisiana is $3,027 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $104,500 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)