Home Insurance in Sabine Parish, Louisiana
The median home value in Sabine Parish is $123,100, 43% lower than the Louisiana median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Sabine Parish was built around 1986. About 9% of homes were built before 1960, about 9 points below Louisiana's 18%.
In Sabine Parish, the housing stock is 50% single-family homes, 2% apartments in buildings with 5+ units and 45% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Sabine Parish, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sabine Parish has an owner-occupancy rate of 80% and a vacancy rate of 36%; unoccupied homes typically need a different coverage form.
In Sabine Parish, 75% of homes 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.
Per FEMA's National Risk Index, Sabine Parish's top hazards are strong wind (Relatively High), hurricane (Relatively Low) and tornado (Relatively Moderate).
Sabine Parish had 108 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 | $123,100 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Hurricane (Relatively Low), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 108 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Towns and cities
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)