Home Insurance in Epps, Louisiana
Homes in Epps carry a median value of $67,500 - 28% lower than the West Carroll Parish median.
The typical home in Epps was built around 1967. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 32% of homes were built before 1960, about 17 points above West Carroll Parish's 15%.
The housing stock in Epps is 76% single-family homes and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Epps, about 15% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 78% of occupied homes in Epps are owner-occupied. The vacancy rate is 32%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Epps, 65% of homes are primarily heated with natural gas.
FEMA rates West Carroll Parish's overall risk as Very Low, led by hurricane (Relatively Low). West Carroll Parish had 89 active NFIP flood policies as of September 2026. See the full West Carroll Parish home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $67,500 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 15% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in West Carroll Parish | 89 |
| 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)