Home Insurance in Jefferson Davis Parish, Louisiana
The median home value in Jefferson Davis Parish is $150,800, 30% lower than the Louisiana median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Jefferson Davis Parish was built around 1980. About 26% of homes were built before 1960, about 8 points above Louisiana's 18%.
In Jefferson Davis Parish, the housing stock is 75% single-family homes, 2% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
43% of owner-occupied homes in Jefferson Davis Parish carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Jefferson Davis Parish has an owner-occupancy rate of 77% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Jefferson Davis Parish - 71% - are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively Moderate), tornado (Relatively Moderate) and wildfire (Relatively Low) as the leading hazards for Jefferson Davis Parish.
As of September 2026, Jefferson Davis Parish has 893 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $150,800 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Tornado (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 893 |
| 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)