Home Insurance in Mooringsport, Louisiana
Homes in Mooringsport carry a median value of $76,700 - 56% lower than the Caddo Parish median.
The typical home in Mooringsport was built around 1971. About 30% of homes were built before 1960, about 6 points above Caddo Parish's 24%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Mooringsport, the housing stock is 84% single-family homes, 4% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 24% of owner-occupied homes in Mooringsport have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Mooringsport has an owner-occupancy rate of 76% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Mooringsport - 70% - 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.
The statewide average premium for a standard HO-3 homeowners policy in Louisiana is $3,027 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $76,700 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 24% |
| 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)