Home Insurance in Olla, Louisiana
With a median home value of $119,200, Olla is close to the LaSalle Parish median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Olla was built around 1978. About 23% of homes were built before 1960, about 4 points above LaSalle Parish's 19%.
In Olla, the housing stock is 60% single-family homes, 10% apartments in buildings with 5+ units and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Olla, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Olla are owner-occupied.
In Olla, 66% of homes are primarily heated with electricity.
LaSalle Parish's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. LaSalle Parish had 71 active NFIP flood policies as of September 2026. See the full LaSalle Parish home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Louisiana is $3,027 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $119,200 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in LaSalle Parish | 71 |
| 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)