Home Insurance in Sarepta, Louisiana
Homes in Sarepta carry a median value of $83,200 - 27% lower than the Webster Parish median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Sarepta was built around 1967. About 32% of homes were built before 1960, about 10 points above Webster Parish's 22%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sarepta is 76% single-family homes and 23% mobile or manufactured homes.
About 35% of owner-occupied homes in Sarepta have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Sarepta has an owner-occupancy rate of 75% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
63% of homes in Sarepta 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 | $83,200 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)