Home Insurance in Anacoco, Louisiana
The median home value in Anacoco is $211,500, 36% higher than the Vernon Parish median.
The typical home in Anacoco was built around 1984. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 10% of homes were built before 1960, in line with Vernon Parish (10%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Anacoco is 76% single-family homes and 24% mobile or manufactured homes.
In Anacoco, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 84% of occupied homes in Anacoco are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Anacoco - 71% - are primarily heated with electricity.
What's the biggest home insurance risk near Anacoco? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Vernon Parish and Vernon Parish had 260 active NFIP flood policies as of September 2026. See the full Vernon 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 home value | $211,500 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Vernon Parish | 260 |
| 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)