Home Insurance in Sibley, Louisiana
With a median home value of $148,200, Sibley is 29% higher than the Webster Parish median.
The typical home in Sibley was built around 1978. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 11% of homes were built before 1960, about 11 points below 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 Sibley is 74% single-family homes and 21% mobile or manufactured homes.
In Sibley, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Sibley are owner-occupied.
73% of homes in Sibley are primarily heated with electricity.
What's the biggest home insurance risk near Sibley? FEMA's National Risk Index points to strong wind (Relatively High) in Webster Parish and 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 | $148,200 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)