Home Insurance in Erath, Louisiana
Homes in Erath carry a median value of $107,800 - 34% lower than the Vermilion Parish median.
The typical home in Erath was built around 1969. About 39% of homes were built before 1960, about 17 points above Vermilion Parish's 22%. 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 Erath is 79% single-family homes, 3% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
About 37% of owner-occupied homes in Erath have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Erath are owner-occupied.
Most homes in Erath - 57% - are primarily heated with natural gas.
Vermilion Parish's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. Vermilion Parish had 4,414 active NFIP flood policies as of September 2026. See the full Vermilion 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 | $107,800 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Vermilion Parish | 4,414 |
| 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)