Home Insurance in Winnsboro, Louisiana
The median home value in Winnsboro is $92,200, 18% lower than the Franklin Parish median.
The typical home in Winnsboro was built around 1971. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 33% of homes were built before 1960, about 12 points above Franklin Parish's 21%.
The housing stock in Winnsboro is 87% single-family homes, 1% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Winnsboro, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 41% of occupied homes in Winnsboro are owner-occupied.
53% of homes in Winnsboro are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Winnsboro? 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 | $92,200 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)