Home Insurance in Evangeline Parish, Louisiana
With a median home value of $124,600, Evangeline Parish is 42% lower than the Louisiana median.
The typical home in Evangeline Parish was built around 1980. About 17% of homes were built before 1960, about 1 point below Louisiana's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Evangeline Parish, the housing stock is 74% single-family homes, 6% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
42% of owner-occupied homes in Evangeline Parish carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Evangeline Parish are owner-occupied.
72% of homes in Evangeline Parish are primarily heated with electricity.
Per FEMA's National Risk Index, Evangeline Parish's top hazards are hurricane (Relatively Moderate), tornado (Relatively Moderate) and wildfire (Relatively Low).
Evangeline Parish had 548 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Louisiana, the statewide average premium for a standard HO-3 homeowners policy is $3,027 per year (NAIC, 2023 data).
Key figures
| Median home value | $124,600 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Tornado (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 548 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)