Home Insurance in Bossier City, Louisiana
With a median home value of $202,100, Bossier City is 11% lower than the Bossier Parish median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bossier City was built around 1980. About 17% of homes were built before 1960, about 5 points above Bossier Parish's 12%.
In Bossier City, the housing stock is 71% single-family homes, 18% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 64% of owner-occupied homes in Bossier City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bossier City has an owner-occupancy rate of 53% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Bossier City, 56% of homes are primarily heated with electricity.
Bossier Parish had 4,657 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Bossier Parish home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $202,100 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Bossier Parish | 4,657 |
| 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)