HomeInsuranceQts

Home Insurance in Port Vincent, Louisiana

With a median home value of $216,200, Port Vincent is 6% lower than the Livingston Parish median.

The typical home in Port Vincent was built around 1990. About 15% of homes were built before 1960, about 10 points above Livingston Parish's 5%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.

The housing stock in Port Vincent is 69% single-family homes and 18% 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 Port Vincent, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Port Vincent has an owner-occupancy rate of 85% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.

78% of homes in Port Vincent 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.

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$216,200
Median year built1990
Owner-occupied share85%
Share of owner-occupied homes with a mortgage42%
Top county hazardHurricane (Relatively High)
Active NFIP policies in Livingston Parish14,721
Home insurance premium$3,027 - statewide average (NAIC, 2023 data)
Key home insurance figures for Port Vincent, LA

Nearby towns

Sources

Data last updated: 2026-09-29