Home Insurance in Delta, Louisiana
With a median home value of $13,500, Delta is 86% lower than the Madison Parish median.
The typical home in Delta was built around 1990. About 11% of homes were built before 1960, about 18 points below Madison Parish's 29%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Delta is 16% single-family homes and 78% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 3% of owner-occupied homes in Delta have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 58% of occupied homes in Delta are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Delta, 95% of homes are primarily heated with electricity.
Madison Parish's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Madison Parish had 282 active NFIP flood policies as of September 2026. See the full Madison 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 | $13,500 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 3% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Madison Parish | 282 |
| 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)