Home Insurance in Georgetown, Louisiana
With a median home value of $68,800, Georgetown is 52% lower than the Grant Parish median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Georgetown was built around 1981. About 21% of homes were built before 1960, about 5 points above Grant Parish's 16%.
The housing stock in Georgetown is 59% single-family homes, 1% apartments in buildings with 5+ units and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 25% of owner-occupied homes in Georgetown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Georgetown has an owner-occupancy rate of 80% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Georgetown - 60% - are primarily heated with electricity.
Grant Parish had 165 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). 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 | $68,800 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)