Home Insurance in Melville, Louisiana
Homes in Melville carry a median value of $71,700 - 50% 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 Melville was built around 1974. About 23% of homes were built before 1960, about 8 points above 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 Melville is 58% single-family homes, 6% apartments in buildings with 5+ units and 15% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 5% of owner-occupied homes in Melville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Melville has an owner-occupancy rate of 61% and a vacancy rate of 35%; unoccupied homes typically need a different coverage form.
76% of homes in Melville are primarily heated with electricity.
What's the biggest home insurance risk near Melville? 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.
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 | $71,700 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 5% |
| 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)