Home Insurance in Mansfield, Louisiana
Homes in Mansfield carry a median value of $112,100 - 28% lower than the De Soto Parish median.
The typical home in Mansfield was built around 1973. About 26% of homes were built before 1960, about 12 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 Mansfield is 71% single-family homes, 4% apartments in buildings with 5+ units and 8% 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 Mansfield, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Mansfield has an owner-occupancy rate of 62% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
55% of homes in Mansfield are primarily heated with natural gas.
What's the biggest home insurance risk near Mansfield? 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 home value | $112,100 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)