Home Insurance in Rapides Parish, Louisiana
The median home value in Rapides Parish is $181,100, 16% lower than the Louisiana median.
The typical home in Rapides Parish was built around 1980. About 22% of homes were built before 1960, about 4 points above Louisiana's 18%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Rapides Parish, the housing stock is 69% single-family homes, 8% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Rapides Parish, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 65% of occupied homes in Rapides Parish are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
70% of homes in Rapides Parish are primarily heated with electricity.
The top hazards for Rapides Parish, per FEMA's National Risk Index, are hurricane (Relatively Moderate), inland flooding (Relatively Moderate) and wildfire (Relatively Low).
As of September 2026, Rapides Parish has 3,004 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $181,100 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Inland Flooding (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 3,004 |
| 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)