Home Insurance in Webster Parish, Louisiana
Homes in Webster Parish carry a median value of $114,500 - 47% lower than the Louisiana median.
The typical home in Webster Parish was built around 1973. About 22% of homes were built before 1960, about 4 points above Louisiana's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Webster Parish is 68% single-family homes, 3% apartments in buildings with 5+ units and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
37% of owner-occupied homes in Webster Parish carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Webster Parish has an owner-occupancy rate of 67% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
50% of homes in Webster Parish are primarily heated with electricity.
FEMA's National Risk Index lists strong wind (Relatively High), hail (Relatively Moderate) and tornado (Relatively Moderate) as the leading hazards for Webster Parish.
Webster Parish had 145 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $114,500 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Hail (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 145 |
| 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)