Home Insurance in Homer, Louisiana
With a median home value of $80,700, Homer is close to the Claiborne Parish median.
The typical home in Homer was built around 1968. About 28% of homes were built before 1960, about 5 points above Claiborne Parish's 23%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Homer is 81% single-family homes, 5% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Homer, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 47% of occupied homes in Homer are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Homer - 56% - are primarily heated with natural gas.
What's the biggest home insurance risk near Homer? FEMA's National Risk Index points to strong wind (Relatively High) in Claiborne Parish and Claiborne Parish had 86 active NFIP flood policies as of September 2026. See the full Claiborne Parish home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Louisiana is $3,027 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $80,700 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Claiborne Parish | 86 |
| 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)