Home Insurance in Scott, Louisiana
With a median home value of $170,300, Scott is 30% lower than the Lafayette Parish median.
The typical home in Scott was built around 1988. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 13% of homes were built before 1960, about 2 points above Lafayette Parish's 11%.
In Scott, the housing stock is 76% single-family homes, 1% 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.
About 49% of owner-occupied homes in Scott have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Scott are owner-occupied.
In Scott, 85% of homes are primarily heated with electricity.
FEMA rates Lafayette Parish's overall risk as Relatively High, led by hurricane (Very High). Lafayette Parish had 17,040 active NFIP flood policies as of September 2026. See the full Lafayette 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 | $170,300 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Lafayette Parish | 17,040 |
| 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)