Home Insurance in Denham Springs, Louisiana
Homes in Denham Springs carry a median value of $188,200 - 18% lower than the Livingston Parish median.
The typical home in Denham Springs was built around 1980. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 16% of homes were built before 1960, about 12 points above Livingston Parish's 5%.
Housing in Denham Springs breaks down to 79% single-family homes, 11% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
46% of owner-occupied homes in Denham Springs carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Denham Springs are owner-occupied.
68% of homes in Denham Springs are primarily heated with electricity.
Livingston Parish had 14,721 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively High). See the full Livingston 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 | $188,200 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Livingston Parish | 14,721 |
| 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)