Home Insurance in McNary, Louisiana
With a median home value of $127,700, McNary is 29% lower than the Rapides Parish median.
The typical home in McNary was built around 1980. About 27% of homes were built before 1960, about 5 points above Rapides Parish's 22%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in McNary is 70% single-family homes and 28% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
31% of owner-occupied homes in McNary carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
McNary has an owner-occupancy rate of 86% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
Most homes in McNary - 64% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Rapides Parish's overall risk as Relatively Moderate, led by hurricane (Relatively Moderate). 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 | $127,700 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 31% |
| 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)