Home Insurance in St. Joseph, Louisiana
With a median home value of $59,100, St. Joseph is 32% lower than the Tensas 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 St. Joseph was built around 1965. About 41% of homes were built before 1960, about 14 points above Tensas Parish's 27%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in St. Joseph is 91% single-family homes and 7% mobile or manufactured homes.
20% of owner-occupied homes in St. Joseph carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 38%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in St. Joseph are owner-occupied.
53% of homes in St. Joseph are primarily heated with natural gas.
FEMA rates Tensas Parish's overall risk as Very Low, led by hurricane (Relatively Low). Tensas Parish had 275 active NFIP flood policies as of September 2026. See the full Tensas 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 | $59,100 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 20% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Tensas Parish | 275 |
| 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)