Home Insurance in Lake Arthur, Louisiana
With a median home value of $83,600, Lake Arthur is 45% 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 Lake Arthur was built around 1971. About 37% of homes were built before 1960, about 11 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 Lake Arthur is 75% single-family homes and 22% mobile or manufactured homes.
25% of owner-occupied homes in Lake Arthur carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lake Arthur has an owner-occupancy rate of 66% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
62% of homes in Lake Arthur 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 | $83,600 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)