Home Insurance in Chataignier, Louisiana
With a median home value of $91,700, Chataignier is 26% lower than the Evangeline Parish median.
The typical home in Chataignier was built around 1974. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 5% of homes were built before 1960, about 12 points below Evangeline Parish's 17%.
In Chataignier, the housing stock is 56% single-family homes, 18% apartments in buildings with 5+ units and 9% 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.
About 28% of owner-occupied homes in Chataignier have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 38% of occupied homes in Chataignier are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Chataignier, 96% of homes are primarily heated with electricity.
FEMA rates Evangeline Parish's overall risk as Relatively Low, led by hurricane (Relatively Moderate). Evangeline Parish had 548 active NFIP flood policies as of September 2026. See the full Evangeline 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 | $91,700 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 38% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Evangeline Parish | 548 |
| 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)