Home Insurance in Caddo Parish, Louisiana
With a median home value of $175,700, Caddo Parish is 19% lower than the Louisiana median.
The typical home in Caddo Parish was built around 1975. About 24% of homes were built before 1960, about 6 points above Louisiana's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Caddo Parish is 70% single-family homes, 14% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 54% of owner-occupied homes in Caddo Parish have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Caddo Parish are owner-occupied.
Most homes in Caddo Parish - 56% - are primarily heated with electricity.
The top hazards for Caddo Parish, per FEMA's National Risk Index, are hail (Relatively High), strong wind (Very High) and inland flooding (Relatively Moderate).
As of September 2026, Caddo Parish has 4,432 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Louisiana, the statewide average premium for a standard HO-3 homeowners policy is $3,027 per year (NAIC, 2023 data).
Key figures
| Median home value | $175,700 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Strong Wind (Very High), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 4,432 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Belcher
- Median home value: $170,800
- Median year built: 1974
- Owner-occupied share: 85%
-
Ida
- Median home value: $96,700
- Median year built: 1961
- Owner-occupied share: 81%
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)