Home Insurance in Simpson, Louisiana
With a median home value of $147,200, Simpson is 6% lower than the Vernon Parish median.
The typical home in Simpson was built around 1983. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 5% of homes were built before 1960, about 5 points below Vernon Parish's 10%.
The housing stock in Simpson is 63% single-family homes and 37% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
57% of owner-occupied homes in Simpson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Simpson has an owner-occupancy rate of 86% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
Most homes in Simpson - 87% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Simpson? 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 | $147,200 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)