Home Insurance in New Roads, Louisiana
With a median home value of $168,200, New Roads is 6% lower than the Pointe Coupee Parish median.
The typical home in New Roads was built around 1981. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 23% of homes were built before 1960, about 6 points above Pointe Coupee Parish's 17%.
In New Roads, the housing stock is 80% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 46% of owner-occupied homes in New Roads have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
New Roads has an owner-occupancy rate of 71% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Most homes in New Roads - 72% - are primarily heated with electricity.
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.
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 | $168,200 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)