Home Insurance in Bonita, Louisiana
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bonita was built around 1973. About 7% of homes were built before 1960, about 13 points below Morehouse Parish's 20%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bonita is 61% single-family homes and 39% mobile or manufactured homes.
14% of owner-occupied homes in Bonita carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bonita has an owner-occupancy rate of 36% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
In Bonita, 52% of homes 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.
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 year built | 1973 |
|---|---|
| Owner-occupied share | 36% |
| Share of owner-occupied homes with a mortgage | 14% |
| 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)