Home Insurance in Ferriday, Louisiana
Homes in Ferriday carry a median value of $84,800 - 18% lower than the Concordia Parish median.
The typical home in Ferriday was built around 1970. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 30% of homes were built before 1960, about 11 points above Concordia Parish's 20%.
The housing stock in Ferriday is 78% single-family homes, 7% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
39% of owner-occupied homes in Ferriday carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Ferriday has an owner-occupancy rate of 60% and a vacancy rate of 32%; unoccupied homes typically need a different coverage form.
Most homes in Ferriday - 61% - are primarily heated with natural gas.
FEMA rates Concordia Parish's overall risk as Very Low, led by hurricane (Relatively Low). 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.
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 | $84,800 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)