Home Insurance in Pointe Coupee Parish, Louisiana
Homes in Pointe Coupee Parish carry a median value of $179,300 - 17% lower than the Louisiana median.
The typical home in Pointe Coupee Parish was built around 1985. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 17% of homes were built before 1960, in line with Louisiana (18%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pointe Coupee Parish is 72% single-family homes, 2% apartments in buildings with 5+ units and 25% mobile or manufactured homes.
42% of owner-occupied homes in Pointe Coupee Parish carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pointe Coupee Parish has an owner-occupancy rate of 80% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
In Pointe Coupee Parish, 57% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Pointe Coupee Parish's top hazards are hurricane (Relatively Moderate), tornado (Relatively Moderate) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Pointe Coupee Parish has 1,279 active NFIP flood policies on file.
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 | $179,300 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Tornado (Relatively Moderate), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 1,279 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)