Home Insurance in Bogalusa, Louisiana
The median home value in Bogalusa is $97,600, 37% lower than the Washington Parish median.
The typical home in Bogalusa was built around 1973. About 30% of homes were built before 1960, about 12 points above Washington Parish's 19%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Bogalusa is 78% single-family homes, 8% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 31% of owner-occupied homes in Bogalusa have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bogalusa has an owner-occupancy rate of 47% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
50% of homes in Bogalusa are primarily heated with electricity.
Washington Parish had 546 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively High). See the full Washington 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 | $97,600 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Washington Parish | 546 |
| 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)