Home Insurance in Blanchard, Louisiana
With a median home value of $208,600, Blanchard is 19% higher than the Caddo Parish median.
The typical home in Blanchard was built around 1996. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 8% of homes were built before 1960, about 16 points below Caddo Parish's 24%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Blanchard is 79% single-family homes, 2% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
About 75% of owner-occupied homes in Blanchard have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Blanchard are owner-occupied.
68% of homes in Blanchard are primarily heated with electricity.
Caddo Parish's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Caddo Parish had 4,432 active NFIP flood policies as of September 2026. See the full Caddo 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 | $208,600 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 75% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Caddo Parish | 4,432 |
| 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)