Home Insurance in Simsboro, Louisiana
The median home value in Simsboro is $84,300, 60% lower than the Lincoln Parish median.
The typical home in Simsboro was built around 1975. About 16% of homes were built before 1960, about 6 points above Lincoln Parish's 10%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Simsboro is 55% single-family homes, 6% apartments in buildings with 5+ units and 37% mobile or manufactured homes.
37% of owner-occupied homes in Simsboro 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 55% of occupied homes in Simsboro are owner-occupied.
In Simsboro, 53% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Simsboro? FEMA's National Risk Index points to strong wind (Relatively High) in Lincoln Parish and 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 | $84,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)