Home Insurance in Bossier Parish, Louisiana
The median home value in Bossier Parish is $227,200, close to the Louisiana median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bossier Parish was built around 1991. About 12% of homes were built before 1960, about 6 points below Louisiana's 18%.
In Bossier Parish, the housing stock is 68% single-family homes, 13% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Bossier Parish, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Bossier Parish are owner-occupied.
Most homes in Bossier Parish - 56% - are primarily heated with electricity.
Per FEMA's National Risk Index, Bossier Parish's top hazards are hail (Relatively Moderate), strong wind (Relatively High) and tornado (Relatively Moderate).
As of September 2026, Bossier Parish has 4,657 active NFIP flood insurance policies. 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 | $227,200 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Strong Wind (Relatively High), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 4,657 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)