Home Insurance in Kilbourne, Louisiana
Homes in Kilbourne carry a median value of $75,700 - 20% lower than the West Carroll Parish median.
The typical home in Kilbourne was built around 1966. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 45% of homes were built before 1960, about 30 points above West Carroll Parish's 15%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kilbourne is 86% single-family homes and 14% mobile or manufactured homes.
About 22% of owner-occupied homes in Kilbourne have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Kilbourne has an owner-occupancy rate of 84% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Kilbourne - 82% - are primarily heated with natural gas.
West Carroll Parish's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. 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 | $75,700 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 22% |
| 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)