Home Insurance in Coushatta, Louisiana
With a median home value of $96,100, Coushatta is 20% lower than the Red River Parish median.
The typical home in Coushatta was built around 1975. About 20% of homes were built before 1960, about 10 points above Red River Parish's 10%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Coushatta is 64% single-family homes, 10% apartments in buildings with 5+ units and 6% 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.
About 45% of owner-occupied homes in Coushatta have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 41% of occupied homes in Coushatta are owner-occupied.
In Coushatta, 57% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Coushatta? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Red River Parish and Red River Parish had 41 active NFIP flood policies as of September 2026. See the full Red River 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 | $96,100 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Red River Parish | 41 |
| 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)