Home Insurance in Pine Prairie, Louisiana
The typical home in Pine Prairie was built around 1975. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 24% of homes were built before 1960, about 7 points above Evangeline Parish's 17%.
The housing stock in Pine Prairie is 84% single-family homes, 1% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Pine Prairie, about 6% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Pine Prairie are owner-occupied.
In Pine Prairie, 54% of homes are primarily heated with electricity.
Evangeline Parish's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | 1975 |
|---|---|
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 6% |
| 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)