Home Insurance in Ashland, Louisiana
The median home value in Ashland is $156,300, 9% lower than the Natchitoches Parish median.
The typical home in Ashland was built around 1979. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 15% of homes were built before 1960, in line with Natchitoches Parish (15%).
The housing stock in Ashland is 64% single-family homes and 36% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
18% of owner-occupied homes in Ashland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 41%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Ashland are owner-occupied.
Most homes in Ashland - 72% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Natchitoches Parish had 592 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Natchitoches 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 | $156,300 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 18% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Natchitoches Parish | 592 |
| 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)