Home Insurance in Mamou, Louisiana
Homes in Mamou carry a median value of $86,500 - 31% lower than the Evangeline Parish median.
The typical home in Mamou was built around 1975. About 40% of homes were built before 1960, about 23 points above Evangeline Parish's 17%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Mamou, the housing stock is 60% single-family homes, 10% apartments in buildings with 5+ units and 4% 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.
70% of owner-occupied homes in Mamou carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mamou has an owner-occupancy rate of 45% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Mamou - 75% - are primarily heated with electricity.
Evangeline Parish had 548 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). 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 | $86,500 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)