Home Insurance in Keachi, Louisiana
The median home value in Keachi is $88,000, 43% lower than the De Soto Parish median.
The typical home in Keachi was built around 1980. About 21% of homes were built before 1960, about 7 points above De Soto Parish's 14%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Keachi, the housing stock is 53% single-family homes and 47% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 41% of owner-occupied homes in Keachi have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Keachi has an owner-occupancy rate of 82% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
66% of homes in Keachi are primarily heated with electricity.
FEMA rates De Soto Parish's overall risk as Very Low, led by strong wind (Relatively High). De Soto Parish had 69 active NFIP flood policies as of September 2026. See the full De Soto 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 | $88,000 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in De Soto Parish | 69 |
| 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)