Home Insurance in Grambling, Louisiana
The median home value in Grambling is $181,700, 14% lower than the Lincoln Parish median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Grambling was built around 1976. About 8% of homes were built before 1960, about 2 points below Lincoln Parish's 10%.
The housing stock in Grambling is 50% single-family homes, 11% apartments in buildings with 5+ units and 4% 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.
In Grambling, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 31% of occupied homes in Grambling are owner-occupied.
Most homes in Grambling - 68% - are primarily heated with electricity.
Lincoln Parish's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Lincoln Parish had 117 active NFIP flood policies as of September 2026. See the full Lincoln 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 | $181,700 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 31% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Lincoln Parish | 117 |
| 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)