Home Insurance in Fenton, Louisiana
Homes in Fenton carry a median value of $96,300 - 36% lower than the Jefferson Davis Parish median.
The typical home in Fenton was built around 1985. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 36% of homes were built before 1960, about 9 points above Jefferson Davis Parish's 26%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Fenton is 85% single-family homes and 13% mobile or manufactured homes.
About 71% of owner-occupied homes in Fenton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 63% of occupied homes in Fenton are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
54% of homes in Fenton are primarily heated with electricity.
What's the biggest home insurance risk near Fenton? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Jefferson Davis Parish and 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Louisiana carries a statewide average premium of $3,027 per year.
Key figures
| Median home value | $96,300 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)