Home Insurance in Parks, Louisiana
Homes in Parks carry a median value of $152,600 - 7% lower than the St. Martin Parish median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Parks was built around 1973. About 34% of homes were built before 1960, about 17 points above St. Martin Parish's 16%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Parks is 69% single-family homes, 2% apartments in buildings with 5+ units and 24% mobile or manufactured homes.
In Parks, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Parks has an owner-occupancy rate of 85% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Parks, 77% of homes are primarily heated with electricity.
FEMA rates St. Martin Parish's overall risk as Relatively Moderate, led by hurricane (Relatively High). St. Martin Parish had 2,327 active NFIP flood policies as of September 2026. See the full St. Martin 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 | $152,600 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in St. Martin Parish | 2,327 |
| 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)