Home Insurance in Rosedale, Louisiana
Homes in Rosedale carry a median value of $123,000 - 29% lower than the Iberville Parish median.
The typical home in Rosedale was built around 1993. About 20% of homes were built before 1960, about 6 points above Iberville Parish's 14%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Rosedale, the housing stock is 53% single-family homes and 47% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 65% of owner-occupied homes in Rosedale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Rosedale has an owner-occupancy rate of 92% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Rosedale, 46% of homes are primarily heated with electricity.
Iberville Parish's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. Iberville Parish had 1,239 active NFIP flood policies as of September 2026. See the full Iberville 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 | $123,000 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Iberville Parish | 1,239 |
| 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)