Home Insurance in Grant Parish, Louisiana
The median home value in Grant Parish is $143,300, 34% lower than the Louisiana median.
The typical home in Grant Parish was built around 1988. About 16% of homes were built before 1960, about 2 points below Louisiana's 18%. 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 Grant Parish is 63% single-family homes, 1% apartments in buildings with 5+ units and 34% mobile or manufactured homes.
44% of owner-occupied homes in Grant Parish carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Grant Parish are owner-occupied.
Most homes in Grant Parish - 73% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hurricane (Relatively Low), tornado (Relatively Low) and strong wind (Relatively Moderate) as the leading hazards for Grant Parish.
As of September 2026, Grant Parish has 165 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $143,300 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Tornado (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 165 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)