Home Insurance in Tallulah, Louisiana
With a median home value of $79,300, Tallulah is 18% lower than the Madison Parish median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Tallulah was built around 1971. About 33% of homes were built before 1960, about 4 points above Madison Parish's 29%.
The housing stock in Tallulah is 78% single-family homes, 10% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
23% of owner-occupied homes in Tallulah carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 40% of occupied homes in Tallulah are owner-occupied.
Most homes in Tallulah - 53% - are primarily heated with natural gas.
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.
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 | $79,300 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 23% |
| 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)