Home Insurance in Pineville, Louisiana
The median home value in Pineville is $201,500, 11% higher than the Rapides Parish median.
The typical home in Pineville was built around 1977. About 22% of homes were built before 1960, in line with Rapides Parish (22%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Pineville, the housing stock is 63% single-family homes, 13% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Pineville, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 54% of occupied homes in Pineville are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
72% of homes in Pineville are primarily heated with electricity.
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 | $201,500 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)