Home Insurance in Claiborne Parish, Louisiana
Homes in Claiborne Parish carry a median value of $82,100 - 62% lower than the Louisiana median.
The typical home in Claiborne Parish was built around 1974. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 23% of homes were built before 1960, about 5 points above Louisiana's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Claiborne Parish is 66% single-family homes, 2% apartments in buildings with 5+ units and 26% mobile or manufactured homes.
About 31% of owner-occupied homes in Claiborne Parish have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 69% of occupied homes in Claiborne Parish are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Claiborne Parish, 49% of homes are primarily heated with electricity.
FEMA's National Risk Index lists strong wind (Relatively High), hail (Relatively Low) and hurricane (Relatively Low) as the leading hazards for Claiborne Parish.
Claiborne Parish had 86 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $82,100 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Hail (Relatively Low), Hurricane (Relatively Low) |
| Active NFIP flood policies (county) | 86 |
| 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)