Home Insurance in Red River Parish, Louisiana
The median home value in Red River Parish is $119,700, 45% lower than the Louisiana median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Red River Parish was built around 1981. About 10% of homes were built before 1960, about 9 points below Louisiana's 18%.
In Red River Parish, the housing stock is 59% single-family homes, 2% apartments in buildings with 5+ units and 35% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 43% of owner-occupied homes in Red River Parish have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Red River Parish has an owner-occupancy rate of 77% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Red River Parish - 66% - 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.
The top hazards for Red River Parish, per FEMA's National Risk Index, are strong wind (Relatively Moderate), hurricane (Relatively Low) and hail (Relatively Low).
Red River Parish had 41 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $119,700 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Hurricane (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 41 |
| 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)