Home Insurance in Grayson, Louisiana
With a median home value of $126,700, Grayson is 36% 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 Grayson was built around 1980. About 20% of homes were built before 1960, about 4 points above Caldwell Parish's 16%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Grayson is 67% single-family homes, 8% apartments in buildings with 5+ units and 17% mobile or manufactured homes.
In Grayson, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 73% of occupied homes in Grayson are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
73% of homes in Grayson are primarily heated with electricity.
Caldwell Parish had 370 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Caldwell Parish home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $126,700 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)