Home Insurance in Noble, Louisiana
Homes in Noble carry a median value of $66,500 - 46% lower than the Sabine Parish median.
The typical home in Noble was built around 1989. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 16% of homes were built before 1960, about 7 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 Noble is 40% single-family homes and 60% mobile or manufactured homes.
30% of owner-occupied homes in Noble carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Noble are owner-occupied.
Most homes in Noble - 87% - 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.
What's the biggest home insurance risk near Noble? FEMA's National Risk Index points to strong wind (Relatively High) in Sabine Parish and 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.
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 | $66,500 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 30% |
| 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)