Home Insurance in Florien, Louisiana
With a median home value of $121,400, Florien is close to the Sabine Parish median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Florien was built around 1979. About 15% of homes were built before 1960, about 5 points above Sabine Parish's 9%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Florien is 58% single-family homes, 9% apartments in buildings with 5+ units and 28% mobile or manufactured homes.
About 35% of owner-occupied homes in Florien have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Florien has an owner-occupancy rate of 69% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In Florien, 75% of homes are primarily heated with electricity.
FEMA rates Sabine Parish's overall risk as Relatively Low, led by strong wind (Relatively High). Sabine Parish had 108 active NFIP flood policies as of September 2026. See the full Sabine 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 | $121,400 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Sabine Parish | 108 |
| 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)