Home Insurance in Sicily Island, Louisiana
The median home value in Sicily Island is $55,000, 46% lower than the Catahoula Parish median.
The typical home in Sicily Island was built around 1975. About 38% of homes were built before 1960, about 20 points above Catahoula Parish's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Sicily Island, the housing stock is 61% single-family homes, 8% apartments in buildings with 5+ units and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Sicily Island, about 32% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sicily Island has an owner-occupancy rate of 54% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
51% of homes in Sicily Island are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $55,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)