Home Insurance in Dry Prong, Louisiana
Homes in Dry Prong carry a median value of $197,500 - 38% higher than the Grant Parish median.
The typical home in Dry Prong was built around 1976. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 20% of homes were built before 1960, about 4 points above Grant Parish's 16%.
The housing stock in Dry Prong is 87% single-family homes and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 50% of owner-occupied homes in Dry Prong have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Dry Prong has an owner-occupancy rate of 88% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Dry Prong - 53% - are primarily heated with electricity.
What's the biggest home insurance risk near Dry Prong? FEMA's National Risk Index points to hurricane (Relatively Low) in Grant Parish and 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.
In Louisiana, the statewide average premium for a standard HO-3 homeowners policy is $3,027 per year (NAIC, 2023 data).
Key figures
| Median home value | $197,500 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)