Home Insurance in South Mansfield, Louisiana
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in South Mansfield was built around 1977. About 32% of homes were built before 1960, about 19 points above De Soto Parish's 14%.
In South Mansfield, the housing stock is 25% single-family homes, 23% apartments in buildings with 5+ units and 19% 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 South Mansfield, about 10% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 18% of occupied homes in South Mansfield are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
80% of homes in South Mansfield are primarily heated with electricity.
De Soto Parish's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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 year built | 1977 |
|---|---|
| Owner-occupied share | 18% |
| Share of owner-occupied homes with a mortgage | 10% |
| 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)