Home Insurance in Columbia, Louisiana
With a median home value of $123,800, Columbia is 33% higher than the Caldwell Parish median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Columbia was built around 1964. About 38% of homes were built before 1960, about 22 points above Caldwell Parish's 16%.
The housing stock in Columbia is 85% single-family homes, 4% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Columbia, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 61% of occupied homes in Columbia are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
52% of homes in Columbia are primarily heated with electricity.
What's the biggest home insurance risk near Columbia? FEMA's National Risk Index points to hurricane (Relatively Low) in Caldwell Parish and Caldwell Parish had 370 active NFIP flood policies as of September 2026. See the full Caldwell 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 | $123,800 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Caldwell Parish | 370 |
| 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)