Home Insurance in Jennings, Louisiana
With a median home value of $136,700, Jennings is 9% lower than the Jefferson Davis Parish median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Jennings was built around 1970. About 38% of homes were built before 1960, about 12 points above Jefferson Davis Parish's 26%.
The housing stock in Jennings is 79% single-family homes, 4% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Jennings, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 64% of occupied homes in Jennings are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
54% of homes in Jennings 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.
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 | $136,700 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)