Home Insurance in Vermilion Parish, Louisiana
The median home value in Vermilion Parish is $163,300, 25% lower than the Louisiana median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Vermilion Parish was built around 1983. About 22% of homes were built before 1960, about 4 points above Louisiana's 18%.
In Vermilion Parish, the housing stock is 72% single-family homes, 5% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
41% of owner-occupied homes in Vermilion Parish carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Vermilion Parish has an owner-occupancy rate of 73% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
In Vermilion Parish, 75% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Vermilion Parish's top hazards are hurricane (Relatively High), inland flooding (Relatively Moderate) and coastal flooding (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Vermilion Parish has 4,414 active NFIP flood policies on file.
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 | $163,300 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Inland Flooding (Relatively Moderate), Coastal Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 4,414 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Towns and cities
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)