Home Insurance in Downsville, Louisiana
With a median home value of $235,400, Downsville is 109% higher than the Union Parish median.
The typical home in Downsville was built around 1964. About 41% of homes were built before 1960, about 30 points above Union Parish's 11%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Downsville, the housing stock is 92% single-family homes.
61% of owner-occupied homes in Downsville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 69% of occupied homes in Downsville are owner-occupied.
Most homes in Downsville - 51% - are primarily heated with electricity.
What's the biggest home insurance risk near Downsville? FEMA's National Risk Index points to strong wind (Relatively High) in Union Parish and Union Parish had 257 active NFIP flood policies as of September 2026. See the full Union 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 | $235,400 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)