Home Insurance in Delhi, Louisiana
With a median home value of $118,000, Delhi is 17% lower than the Richland Parish median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Delhi was built around 1971. About 28% of homes were built before 1960, about 13 points above Richland Parish's 15%.
In Delhi, the housing stock is 81% single-family homes and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
35% of owner-occupied homes in Delhi carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 50% of occupied homes in Delhi are owner-occupied.
54% of homes in Delhi are primarily heated with natural gas.
Richland Parish's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Richland Parish had 510 active NFIP flood policies as of September 2026. See the full Richland Parish home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Louisiana is $3,027 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $118,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Richland Parish | 510 |
| 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)