Home Insurance in Caldwell Parish, Louisiana
With a median home value of $93,300, Caldwell Parish is 57% lower than the Louisiana median.
The typical home in Caldwell Parish was built around 1986. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 16% of homes were built before 1960, about 2 points below Louisiana's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Caldwell Parish is 53% single-family homes, 1% apartments in buildings with 5+ units and 41% mobile or manufactured homes.
About 39% of owner-occupied homes in Caldwell Parish have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 69% of occupied homes in Caldwell Parish are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Caldwell Parish, 72% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Caldwell Parish, per FEMA's National Risk Index, are hurricane (Relatively Low), strong wind (Relatively Low) and tornado (Relatively Low).
Caldwell Parish had 370 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $93,300 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Strong Wind (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 370 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)