Home Insurance in Mount Lebanon, Louisiana
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Mount Lebanon was built around 1968. About 30% of homes were built before 1960, about 10 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 Mount Lebanon is 79% single-family homes and 21% mobile or manufactured homes.
26% of owner-occupied homes in Mount Lebanon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 94% of occupied homes in Mount Lebanon are owner-occupied.
55% of homes in Mount Lebanon are primarily heated with electricity.
What's the biggest home insurance risk near Mount Lebanon? 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.
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 | 1968 |
|---|---|
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 26% |
| 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)