HomeInsuranceQts

Home Insurance in Vidalia, Louisiana

Homes in Vidalia carry a median value of $152,500 - 47% higher than the Concordia Parish median.

The typical home in Vidalia was built around 1969. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 20% of homes were built before 1960, in line with Concordia Parish (20%).

Housing in Vidalia breaks down to 95% single-family homes, 1% apartments in buildings with 5+ units and 3% mobile or manufactured homes.

About 58% of owner-occupied homes in Vidalia have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

Vidalia has an owner-occupancy rate of 73% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.

61% of homes in Vidalia 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.

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$152,500
Median year built1969
Owner-occupied share73%
Share of owner-occupied homes with a mortgage58%
Top county hazardHurricane (Relatively Low)
Active NFIP policies in Concordia Parish758
Home insurance premium$3,027 - statewide average (NAIC, 2023 data)
Key home insurance figures for Vidalia, LA

Nearby towns

Sources

Data last updated: 2026-09-29