Home Insurance in Gilliam, Louisiana
Homes in Gilliam carry a median value of $142,000 - 19% lower than the Caddo Parish median.
The typical home in Gilliam was built around 1950. About 61% of homes were built before 1960, about 37 points above Caddo Parish's 24%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Gilliam, the housing stock is 73% single-family homes and 27% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
20% of owner-occupied homes in Gilliam carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 98% of occupied homes in Gilliam are owner-occupied.
Most homes in Gilliam - 63% - are primarily heated with natural gas.
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 | $142,000 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 20% |
| 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)