Home Insurance in Rayville, Louisiana
Homes in Rayville carry a median value of $99,100 - 30% lower than the Richland Parish median.
The typical home in Rayville was built around 1976. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 13% of homes were built before 1960, about 3 points below Richland Parish's 15%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Rayville is 75% single-family homes, 2% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 40% of owner-occupied homes in Rayville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 35% of occupied homes in Rayville are owner-occupied. The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Rayville, 59% of homes are primarily heated with electricity.
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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Louisiana carries a statewide average premium of $3,027 per year.
Key figures
| Median home value | $99,100 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 35% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)