Home Insurance in Washington, Louisiana
With a median home value of $85,300, Washington is 40% lower than the St. Landry Parish median.
The typical home in Washington was built around 1967. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 26% of homes were built before 1960, about 11 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 Washington is 57% single-family homes, 2% apartments in buildings with 5+ units and 11% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Washington, about 22% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 44% of occupied homes in Washington are owner-occupied. The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Washington - 85% - are primarily heated with electricity.
FEMA rates St. Landry Parish's overall risk as Relatively Moderate, led by tornado (Relatively High). 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.
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 | $85,300 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 22% |
| 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)