Home Insurance in Lincoln Parish, Louisiana
Homes in Lincoln Parish carry a median value of $210,100 - close to the Louisiana median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lincoln Parish was built around 1984. About 10% of homes were built before 1960, about 8 points below Louisiana's 18%.
In Lincoln Parish, the housing stock is 60% single-family homes, 10% apartments in buildings with 5+ units and 16% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
43% of owner-occupied homes in Lincoln Parish carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 54% of occupied homes in Lincoln Parish are owner-occupied.
53% of homes in Lincoln Parish are primarily heated with electricity.
FEMA's National Risk Index lists strong wind (Relatively High), tornado (Relatively Moderate) and earthquake (Relatively Low) as the leading hazards for Lincoln Parish. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Lincoln Parish had 117 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $210,100 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Tornado (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 117 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Choudrant
- Median home value: $313,500
- Median year built: 2003
- Owner-occupied share: 63%
-
Vienna
- Median home value: $356,300
- Median year built: 1981
- Owner-occupied share: 64%
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)