Home Insurance in French Settlement, Louisiana
With a median home value of $206,000, French Settlement is 11% lower than the Livingston Parish median.
The typical home in French Settlement was built around 2001. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 13% of homes were built before 1960, about 9 points above Livingston Parish's 5%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in French Settlement is 78% single-family homes and 21% mobile or manufactured homes.
In French Settlement, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
French Settlement has an owner-occupancy rate of 89% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In French Settlement, 73% of homes are primarily heated with electricity.
FEMA rates Livingston Parish's overall risk as Relatively High, led by hurricane (Relatively High). Livingston Parish had 14,721 active NFIP flood policies as of September 2026. See the full Livingston Parish home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $206,000 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)