Home Insurance in Longstreet, Louisiana
The typical home in Longstreet was built around 1991. About 22% of homes were built before 1960, about 9 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.
The housing stock in Longstreet is 58% single-family homes and 42% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
27% of owner-occupied homes in Longstreet carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 98% of occupied homes in Longstreet are owner-occupied. The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Longstreet - 59% - are primarily heated with electricity. 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 Longstreet? FEMA's National Risk Index points to strong wind (Relatively High) in De Soto Parish and 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.
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 year built | 1991 |
|---|---|
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 27% |
| 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)