Home Insurance in Dubberly, Louisiana
The median home value in Dubberly is $167,400, 46% higher than the Webster Parish median.
The typical home in Dubberly was built around 1979. About 24% of homes were built before 1960, about 2 points above Webster Parish's 22%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Dubberly, the housing stock is 78% single-family homes and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
44% of owner-occupied homes in Dubberly carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 88% of occupied homes in Dubberly are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Dubberly, 62% of homes are primarily heated with natural gas.
FEMA rates Webster Parish's overall risk as Relatively Low, led by strong wind (Relatively High). Webster Parish had 145 active NFIP flood policies as of September 2026. See the full Webster Parish home insurance overview for all FEMA hazard ratings and flood coverage details.
In Louisiana, the statewide average premium for a standard HO-3 homeowners policy is $3,027 per year (NAIC, 2023 data).
Key figures
| Median home value | $167,400 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Webster Parish | 145 |
| 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)