Home Insurance in Elton, Louisiana
The median home value in Elton is $84,900, 44% lower than the Jefferson Davis Parish median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Elton was built around 1975. About 28% of homes were built before 1960, about 1 point above Jefferson Davis Parish's 26%.
In Elton, the housing stock is 78% single-family homes, 11% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
15% of owner-occupied homes in Elton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 74% of occupied homes in Elton are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Elton - 56% - are primarily heated with electricity.
FEMA rates Jefferson Davis Parish's overall risk as Relatively Low, led by hurricane (Relatively Moderate). Jefferson Davis Parish had 893 active NFIP flood policies as of September 2026. See the full Jefferson Davis 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 | $84,900 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 15% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Jefferson Davis Parish | 893 |
| 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)