Home Insurance in Lisbon, Louisiana
With a median home value of $66,400, Lisbon is 19% lower than the Claiborne Parish median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Lisbon was built around 1970. About 37% of homes were built before 1960, about 14 points above Claiborne Parish's 23%.
In Lisbon, the housing stock is 73% single-family homes and 27% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 24% of owner-occupied homes in Lisbon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 87% of occupied homes in Lisbon are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Lisbon - 58% - 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.
What's the biggest home insurance risk near Lisbon? 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.
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 | $66,400 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 24% |
| 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)