Home Insurance in Mound, Louisiana
Homes in Mound carry a median value of $193,300 - 101% higher than the Madison Parish median.
The typical home in Mound was built around 1948. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 56% of homes were built before 1960, about 27 points above Madison Parish's 29%.
In Mound, the housing stock is 100% single-family homes.
62% of owner-occupied homes in Mound carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mound has an owner-occupancy rate of 91% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
Most homes in Mound - 57% - are primarily heated with electricity.
What's the biggest home insurance risk near Mound? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Madison Parish and 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.
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 | $193,300 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)