Home Insurance in Morehouse Parish, Louisiana
Homes in Morehouse Parish carry a median value of $118,800 - 45% lower than the Louisiana median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Morehouse Parish was built around 1977. About 20% of homes were built before 1960, about 1 point above Louisiana's 18%.
In Morehouse Parish, the housing stock is 77% single-family homes, 2% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Morehouse Parish, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 69% of occupied homes in Morehouse Parish are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
59% of homes in Morehouse Parish are primarily heated with electricity.
Per FEMA's National Risk Index, Morehouse Parish's top hazards are hail (Relatively Moderate), earthquake (Relatively Low) and strong wind (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Morehouse Parish had 179 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $118,800 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Earthquake (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 179 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Towns and cities
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)