Home Insurance in Livonia, Louisiana
The median home value in Livonia is $211,200, 18% higher than the Pointe Coupee Parish median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Livonia was built around 1990. About 12% of homes were built before 1960, about 5 points below Pointe Coupee Parish's 17%.
The housing stock in Livonia is 80% single-family homes and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Livonia, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 90% of occupied homes in Livonia are owner-occupied.
In Livonia, 60% of homes are primarily heated with natural gas.
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 | $211,200 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)