Home Insurance in Franklinton, Louisiana
Homes in Franklinton carry a median value of $188,500 - 21% higher than the Washington Parish median.
The typical home in Franklinton was built around 1974. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 23% of homes were built before 1960, about 4 points above Washington Parish's 19%.
The housing stock in Franklinton is 71% single-family homes, 3% apartments in buildings with 5+ units and 14% 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.
45% of owner-occupied homes in Franklinton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Franklinton has an owner-occupancy rate of 41% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
78% of homes in Franklinton are primarily heated with electricity.
What's the biggest home insurance risk near Franklinton? FEMA's National Risk Index points to hurricane (Relatively High) in Washington Parish and Washington Parish had 546 active NFIP flood policies as of September 2026. 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 | $188,500 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)