Home Insurance in Catahoula Parish, Louisiana
Homes in Catahoula Parish carry a median value of $101,800 - 53% lower than the Louisiana median.
The typical home in Catahoula Parish was built around 1980. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 18% of homes were built before 1960, in line with Louisiana (18%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Catahoula Parish is 59% single-family homes, 4% apartments in buildings with 5+ units and 35% mobile or manufactured homes.
In Catahoula Parish, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Catahoula Parish are owner-occupied.
In Catahoula Parish, 62% 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.
Per FEMA's National Risk Index, Catahoula Parish's top hazards are hurricane (Relatively Low), hail (Relatively Low) and strong wind (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Catahoula Parish has 610 active NFIP flood policies on file.
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 | $101,800 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Hail (Relatively Low), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 610 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Towns and cities
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)