Home Insurance in Fordoche, Louisiana
Homes in Fordoche carry a median value of $183,100 - close to the Pointe Coupee Parish median.
The typical home in Fordoche was built around 1976. About 20% of homes were built before 1960, about 3 points above Pointe Coupee Parish's 17%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Fordoche is 87% single-family homes and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Fordoche, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Fordoche has an owner-occupancy rate of 81% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
In Fordoche, 52% of homes are primarily heated with electricity.
Pointe Coupee Parish's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Pointe Coupee Parish had 1,279 active NFIP flood policies as of September 2026. See the full Pointe Coupee Parish home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $183,100 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Pointe Coupee Parish | 1,279 |
| 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)