Home Insurance in New Llano, Louisiana
With a median home value of $118,100, New Llano is 24% lower than the Vernon Parish median.
The typical home in New Llano was built around 1982. About 10% of homes were built before 1960, in line with Vernon Parish (10%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in New Llano is 64% single-family homes, 15% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In New Llano, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 45% of occupied homes in New Llano are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
71% of homes in New Llano are primarily heated with electricity.
What's the biggest home insurance risk near New Llano? 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.
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 | $118,100 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)