Home Insurance in Lecompte, Louisiana
With a median home value of $59,900, Lecompte is 67% lower than the Rapides Parish median.
The typical home in Lecompte was built around 1962. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 48% of homes were built before 1960, about 26 points above Rapides Parish's 22%.
The housing stock in Lecompte is 76% single-family homes, 1% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
26% of owner-occupied homes in Lecompte carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 48%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Lecompte are owner-occupied.
In Lecompte, 50% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Lecompte? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Rapides Parish and Rapides Parish had 3,004 active NFIP flood policies as of September 2026. See the full Rapides 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 | $59,900 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Rapides Parish | 3,004 |
| 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)