Home Insurance in Jonesville, Louisiana
Homes in Jonesville carry a median value of $112,800 - 11% higher than the Catahoula Parish median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Jonesville was built around 1973. About 28% of homes were built before 1960, about 10 points above Catahoula Parish's 18%.
The housing stock in Jonesville is 67% single-family homes, 13% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
35% of owner-occupied homes in Jonesville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Jonesville has an owner-occupancy rate of 71% and a vacancy rate of 32%; unoccupied homes typically need a different coverage form.
Most homes in Jonesville - 51% - are primarily heated with electricity.
Catahoula Parish had 610 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). 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 | $112,800 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)