Home Insurance in Edgefield, Louisiana
The median home value in Edgefield is $108,300, 10% lower than the Red River Parish median.
The typical home in Edgefield was built around 1970. About 8% of homes were built before 1960, about 1 point below Red River Parish's 10%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Edgefield, the housing stock is 100% single-family homes.
70% of owner-occupied homes in Edgefield carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 76% of occupied homes in Edgefield are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Edgefield, 79% of homes are primarily heated with natural gas.
Red River Parish had 41 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). 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 | $108,300 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)