Home Insurance in Youngsville, Louisiana
Homes in Youngsville carry a median value of $287,700 - 18% higher than the Lafayette Parish median.
The typical home in Youngsville was built around 2011. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 4% of homes were built before 1960, about 7 points below Lafayette Parish's 11%.
The housing stock in Youngsville is 89% single-family homes, 2% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 71% of owner-occupied homes in Youngsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Youngsville has an owner-occupancy rate of 87% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Youngsville, 76% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Youngsville? FEMA's National Risk Index points to hurricane (Very High) in Lafayette Parish and 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 | $287,700 |
|---|---|
| Median year built | 2011 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)