Home Insurance in Baskin, Louisiana
Homes in Baskin carry a median value of $129,200 - 14% higher than the Franklin Parish median.
The typical home in Baskin was built around 1993. About 8% of homes were built before 1960, about 13 points below Franklin Parish's 21%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Baskin is 42% single-family homes and 58% mobile or manufactured homes.
In Baskin, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 32%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in Baskin are owner-occupied.
80% of homes in Baskin are primarily heated with electricity.
What's the biggest home insurance risk near Baskin? FEMA's National Risk Index points to hurricane (Relatively Low) in Franklin Parish and Franklin Parish had 274 active NFIP flood policies as of September 2026. See the full Franklin 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 home value | $129,200 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Franklin Parish | 274 |
| 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)