Home Insurance in Rosepine, Louisiana
The median home value in Rosepine is $172,600, 11% higher than the Vernon Parish median.
The typical home in Rosepine was built around 1993. About 3% of homes were built before 1960, about 7 points below Vernon Parish's 10%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Rosepine is 57% single-family homes, 7% apartments in buildings with 5+ units and 24% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 68% of owner-occupied homes in Rosepine have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Rosepine has an owner-occupancy rate of 62% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
83% of homes in Rosepine are primarily heated with electricity.
FEMA rates Vernon Parish's overall risk as Relatively Low, led by hurricane (Relatively Moderate). 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 | $172,600 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)