Home Insurance in Shreveport, Louisiana
Homes in Shreveport carry a median value of $178,900 - close to the Caddo Parish median.
The typical home in Shreveport was built around 1973. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 26% of homes were built before 1960, about 2 points above Caddo Parish's 24%.
Housing in Shreveport breaks down to 71% single-family homes, 17% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Shreveport, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in Shreveport are owner-occupied.
In Shreveport, 55% of homes 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.
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 | $178,900 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)