Home Insurance in Ouachita Parish, Louisiana
The median home value in Ouachita Parish is $194,400, 10% lower than the Louisiana median.
The typical home in Ouachita Parish was built around 1983. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 16% of homes were built before 1960, about 3 points below Louisiana's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ouachita Parish is 68% single-family homes, 8% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
In Ouachita Parish, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Ouachita Parish are owner-occupied.
Most homes in Ouachita Parish - 67% - are primarily heated with electricity.
The top hazards for Ouachita Parish, per FEMA's National Risk Index, are tornado (Relatively High), strong wind (Relatively High) and earthquake (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Ouachita Parish has 4,717 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $194,400 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Strong Wind (Relatively High), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 4,717 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Towns and cities
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)