Home Insurance in Bastrop, Louisiana
Homes in Bastrop carry a median value of $87,800 - 26% lower than the Morehouse Parish median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bastrop was built around 1973. About 25% of homes were built before 1960, about 5 points above Morehouse Parish's 20%.
The housing stock in Bastrop is 80% single-family homes, 3% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 37% of owner-occupied homes in Bastrop have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 52% of occupied homes in Bastrop are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
53% of homes in Bastrop are primarily heated with electricity.
Morehouse Parish's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Morehouse Parish had 179 active NFIP flood policies as of September 2026. See the full Morehouse 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 | $87,800 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Morehouse Parish | 179 |
| 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)