Home Insurance in Krotz Springs, Louisiana
The median home value in Krotz Springs is $63,300, 56% lower than the St. Landry Parish median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Krotz Springs was built around 1976. About 8% of homes were built before 1960, about 7 points below St. Landry Parish's 15%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Krotz Springs is 55% single-family homes, 2% apartments in buildings with 5+ units and 36% mobile or manufactured homes.
About 17% of owner-occupied homes in Krotz Springs have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Krotz Springs are owner-occupied.
Most homes in Krotz Springs - 76% - are primarily heated with electricity.
What's the biggest home insurance risk near Krotz Springs? FEMA's National Risk Index points to tornado (Relatively High) in St. Landry Parish and St. Landry Parish had 2,352 active NFIP flood policies as of September 2026. See the full St. Landry 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 | $63,300 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 17% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in St. Landry Parish | 2,352 |
| 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)