Home Insurance in Springfield, Louisiana
Homes in Springfield carry a median value of $153,400 - 33% lower than the Livingston Parish median.
The typical home in Springfield was built around 1986. About 9% of homes were built before 1960, about 4 points above Livingston Parish's 5%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Springfield is 76% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 45% of owner-occupied homes in Springfield have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in Springfield are owner-occupied.
56% of homes in Springfield are primarily heated with electricity.
Livingston Parish's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. 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 | $153,400 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)