Home Insurance in Greensburg, Louisiana
With a median home value of $188,800, Greensburg is 144% higher than the St. Helena Parish median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Greensburg was built around 1974. About 14% of homes were built before 1960, about 7 points above St. Helena Parish's 7%.
The housing stock in Greensburg is 50% single-family homes, 29% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Greensburg, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Greensburg has an owner-occupancy rate of 46% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
85% of homes in Greensburg are primarily heated with electricity.
What's the biggest home insurance risk near Greensburg? FEMA's National Risk Index points to hurricane (Relatively Low) in St. Helena Parish and St. Helena Parish had 97 active NFIP flood policies as of September 2026. See the full St. Helena Parish home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $188,800 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in St. Helena Parish | 97 |
| 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)