Home Insurance in St. Landry Parish, Louisiana
Homes in St. Landry Parish carry a median value of $142,500 - 34% 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 St. Landry Parish was built around 1980. About 15% of homes were built before 1960, about 3 points below Louisiana's 18%.
In St. Landry Parish, the housing stock is 69% single-family homes, 4% apartments in buildings with 5+ units and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
39% of owner-occupied homes in St. Landry Parish carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in St. Landry Parish are owner-occupied.
Most homes in St. Landry Parish - 73% - are primarily heated with electricity.
Per FEMA's National Risk Index, St. Landry Parish's top hazards are tornado (Relatively High), hurricane (Relatively Moderate) and inland flooding (Relatively Moderate).
St. Landry Parish had 2,352 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.
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 | $142,500 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Hurricane (Relatively Moderate), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 2,352 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Arnaudville
- Median home value: $83,400
- Median year built: 1976
- Owner-occupied share: 54%
-
Grand Coteau
- Median home value: $117,500
- Median year built: 1967
- Owner-occupied share: 34%
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)