Home Insurance in Bernice, Louisiana
The median home value in Bernice is $80,300, 29% lower than the Union Parish median.
The typical home in Bernice was built around 1977. About 24% of homes were built before 1960, about 13 points above Union Parish's 11%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bernice is 70% single-family homes, 5% apartments in buildings with 5+ units and 19% mobile or manufactured homes.
28% of owner-occupied homes in Bernice carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Bernice are owner-occupied.
Most homes in Bernice - 53% - are primarily heated with natural gas.
Union Parish had 257 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Union 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 | $80,300 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Union Parish | 257 |
| 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)