Home Insurance in Pleasant Hill, Louisiana
Homes in Pleasant Hill carry a median value of $43,000 - 65% lower than the Sabine Parish median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Pleasant Hill was built around 1976. About 20% of homes were built before 1960, about 11 points above Sabine Parish's 9%.
The housing stock in Pleasant Hill is 37% single-family homes, 6% apartments in buildings with 5+ units and 48% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Pleasant Hill, about 21% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Pleasant Hill has an owner-occupancy rate of 60% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
In Pleasant Hill, 58% of homes are primarily heated with electricity.
Sabine Parish's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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 | $43,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 21% |
| 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)