Home Insurance in Morganza, Louisiana
With a median home value of $121,600, Morganza is 32% lower than the Pointe Coupee Parish median.
The typical home in Morganza was built around 1971. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 29% of homes were built before 1960, about 12 points above Pointe Coupee Parish's 17%.
In Morganza, the housing stock is 82% single-family homes and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
40% of owner-occupied homes in Morganza carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Morganza has an owner-occupancy rate of 90% and a vacancy rate of 33%; unoccupied homes typically need a different coverage form.
Most homes in Morganza - 68% - are primarily heated with natural gas.
FEMA rates Pointe Coupee Parish's overall risk as Relatively Low, led by hurricane (Relatively Moderate). 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.
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 | $121,600 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)