Home Insurance in Clayton, Louisiana
With a median home value of $73,800, Clayton is 29% lower than the Concordia Parish median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Clayton was built around 1965. About 42% of homes were built before 1960, about 22 points above Concordia Parish's 20%.
The housing stock in Clayton is 52% single-family homes, 7% apartments in buildings with 5+ units and 20% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Clayton, about 3% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 43%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 43% of occupied homes in Clayton are owner-occupied.
Most homes in Clayton - 82% - are primarily heated with electricity.
Concordia Parish's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Concordia Parish had 758 active NFIP flood policies as of September 2026. See the full Concordia 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 | $73,800 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 3% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Concordia Parish | 758 |
| 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)