Home Insurance in Clarence, Louisiana
The median home value in Clarence is $97,900, 43% lower than the Natchitoches Parish median.
The typical home in Clarence was built around 1985. About 2% of homes were built before 1960, about 13 points below Natchitoches Parish's 15%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Clarence is 70% single-family homes, 2% apartments in buildings with 5+ units and 28% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 35% of owner-occupied homes in Clarence have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Clarence has an owner-occupancy rate of 58% and a vacancy rate of 36%; unoccupied homes typically need a different coverage form.
Most homes in Clarence - 55% - are primarily heated with natural gas.
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.
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 | $97,900 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)