Home Insurance in Vivian, Louisiana
Homes in Vivian carry a median value of $62,700 - 64% lower than the Caddo Parish median.
The typical home in Vivian was built around 1971. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 39% of homes were built before 1960, about 15 points above Caddo Parish's 24%.
The housing stock in Vivian is 67% single-family homes, 8% apartments in buildings with 5+ units and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Vivian, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Vivian are owner-occupied.
Most homes in Vivian - 62% - are primarily heated with electricity.
Caddo Parish had 4,432 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Caddo Parish home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $62,700 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)