Home Insurance in Opelousas, Louisiana
Homes in Opelousas carry a median value of $105,100 - 26% 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 Opelousas was built around 1975. About 24% of homes were built before 1960, about 9 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 Opelousas is 71% single-family homes, 9% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
About 37% of owner-occupied homes in Opelousas have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 53% of occupied homes in Opelousas are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Opelousas, 60% of homes are primarily heated with electricity.
St. Landry Parish's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. 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 | $105,100 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)