Home Insurance in Stonewall, Louisiana
With a median home value of $277,300, Stonewall is 79% higher than the De Soto Parish median.
The typical home in Stonewall was built around 1991. About 7% of homes were built before 1960, about 7 points below De Soto Parish's 14%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Stonewall is 67% single-family homes and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
48% of owner-occupied homes in Stonewall carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Stonewall has an owner-occupancy rate of 81% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Stonewall - 52% - 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.
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 | $277,300 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)