Home Insurance in Livingston Parish, Louisiana
The median home value in Livingston Parish is $230,600, 7% higher than the Louisiana median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Livingston Parish was built around 2002. About 5% of homes were built before 1960, about 13 points below Louisiana's 18%.
In Livingston Parish, the housing stock is 69% single-family homes, 5% apartments in buildings with 5+ units and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 58% of owner-occupied homes in Livingston Parish have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Livingston Parish are owner-occupied.
In Livingston Parish, 73% of homes are primarily heated with electricity.
The top hazards for Livingston Parish, per FEMA's National Risk Index, are hurricane (Relatively High), tornado (Relatively High) and inland flooding (Relatively High).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Livingston Parish has 14,721 active NFIP flood policies on file.
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 | $230,600 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Tornado (Relatively High), Inland Flooding (Relatively High) |
| Active NFIP flood policies (county) | 14,721 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Towns and cities
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)