Home Insurance in Harrisonburg, Louisiana
Homes in Harrisonburg carry a median value of $207,300 - 104% higher than the Catahoula Parish median.
The typical home in Harrisonburg was built around 1969. About 40% of homes were built before 1960, about 22 points above Catahoula Parish's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Harrisonburg is 72% single-family homes, 1% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Harrisonburg, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Harrisonburg are owner-occupied.
50% of homes in Harrisonburg are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Catahoula Parish's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Catahoula Parish had 610 active NFIP flood policies as of September 2026. See the full Catahoula 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 | $207,300 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Catahoula Parish | 610 |
| 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)