Home Insurance in Campti, Louisiana
With a median home value of $78,300, Campti is 54% lower than the Natchitoches Parish median.
The typical home in Campti was built around 1987. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 11% of homes were built before 1960, about 4 points below Natchitoches Parish's 15%.
In Campti, the housing stock is 47% single-family homes, 6% apartments in buildings with 5+ units and 47% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 15% of owner-occupied homes in Campti have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Campti has an owner-occupancy rate of 36% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
Most homes in Campti - 78% - are primarily heated with electricity.
FEMA rates Natchitoches Parish's overall risk as Relatively Low, led by strong wind (Relatively High). Natchitoches Parish had 592 active NFIP flood policies as of September 2026. See the full Natchitoches 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 | $78,300 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 36% |
| Share of owner-occupied homes with a mortgage | 15% |
| 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)