Home Insurance in West Monroe, Louisiana
With a median home value of $192,400, West Monroe is close to the Ouachita Parish median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in West Monroe was built around 1974. About 23% of homes were built before 1960, about 7 points above Ouachita Parish's 16%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in West Monroe is 66% single-family homes, 17% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In West Monroe, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 45% of occupied homes in West Monroe are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
66% of homes in West Monroe are primarily heated with electricity.
Ouachita Parish's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Ouachita Parish had 4,717 active NFIP flood policies as of September 2026. See the full Ouachita 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 | $192,400 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Ouachita Parish | 4,717 |
| 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)