Home Insurance in Waterproof, Louisiana
With a median home value of $47,300, Waterproof is 45% lower than the Tensas Parish median.
The typical home in Waterproof was built around 1965. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 42% of homes were built before 1960, about 15 points above Tensas Parish's 27%.
In Waterproof, the housing stock is 73% single-family homes, 9% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
23% of owner-occupied homes in Waterproof carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Waterproof has an owner-occupancy rate of 76% and a vacancy rate of 37%; unoccupied homes typically need a different coverage form.
In Waterproof, 50% of homes are primarily heated with electricity.
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.
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 | $47,300 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 23% |
| 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)