Home Insurance in Springhill, Louisiana
The median home value in Springhill is $97,500, 15% lower than the Webster Parish median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Springhill was built around 1963. About 44% of homes were built before 1960, about 22 points above Webster Parish's 22%.
In Springhill, the housing stock is 76% single-family homes, 4% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Springhill, about 23% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 54% of occupied homes in Springhill are owner-occupied.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 64% of homes in Springhill are primarily heated with natural gas.
Webster Parish's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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 | $97,500 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 23% |
| 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)