Home Insurance in Washington Parish, Louisiana
Homes in Washington Parish carry a median value of $155,700 - 28% lower than the Louisiana median.
The typical home in Washington Parish was built around 1982. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 19% of homes were built before 1960, in line with Louisiana (18%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Washington Parish is 67% single-family homes, 3% apartments in buildings with 5+ units and 25% mobile or manufactured homes.
About 37% of owner-occupied homes in Washington Parish have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Washington Parish has an owner-occupancy rate of 69% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 69% of homes in Washington Parish are primarily heated with electricity.
Per FEMA's National Risk Index, Washington Parish's top hazards are hurricane (Relatively High), wildfire (Relatively Low) and inland flooding (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Washington Parish has 546 active NFIP flood policies on file.
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 | $155,700 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Wildfire (Relatively Low), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 546 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)