Home Insurance in Varnado, Louisiana
With a median home value of $106,300, Varnado is 32% lower than the Washington Parish median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Varnado was built around 1974. About 23% of homes were built before 1960, about 4 points above Washington Parish's 19%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Varnado is 55% single-family homes, 11% apartments in buildings with 5+ units and 21% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Varnado, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Varnado has an owner-occupancy rate of 59% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
73% of homes in Varnado 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.
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 | $106,300 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)