Home Insurance in Lillie, Louisiana
The typical home in Lillie was built around 2000. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 2% of homes were built before 1960, about 9 points below Union Parish's 11%.
In Lillie, the housing stock is 51% single-family homes and 49% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lillie, about 32% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lillie has an owner-occupancy rate of 100% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
41% of homes in Lillie are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Union Parish's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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.
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 year built | 2000 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)