Home Insurance in Creola, Louisiana
The typical home in Creola was built around 1998. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 0% of homes were built before 1960, about 16 points below Grant Parish's 16%.
The housing stock in Creola is 8% single-family homes, 2% apartments in buildings with 5+ units and 90% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
Creola has an owner-occupancy rate of 0% and a vacancy rate of 42%; unoccupied homes typically need a different coverage form.
98% of homes in Creola are primarily heated with electricity.
Grant Parish's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Grant Parish had 165 active NFIP flood policies as of September 2026. See the full Grant 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 year built | 1998 |
|---|---|
| Owner-occupied share | 0% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Grant Parish | 165 |
| 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)