Home Insurance in Gueydan, Louisiana
With a median home value of $74,300, Gueydan is 55% lower than the Vermilion Parish median.
The typical home in Gueydan was built around 1975. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 34% of homes were built before 1960, about 13 points above Vermilion Parish's 22%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Gueydan is 72% single-family homes and 23% mobile or manufactured homes.
In Gueydan, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Gueydan are owner-occupied.
In Gueydan, 57% of homes are primarily heated with electricity.
FEMA rates Vermilion Parish's overall risk as Relatively Moderate, led by hurricane (Relatively High). 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 | $74,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 27% |
| 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)