Home Insurance in West Feliciana Parish, Louisiana
Homes in West Feliciana Parish carry a median value of $245,700 - 13% higher than the Louisiana median.
The typical home in West Feliciana Parish was built around 1991. About 13% of homes were built before 1960, about 5 points below Louisiana's 18%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In West Feliciana Parish, the housing stock is 70% single-family homes, 5% apartments in buildings with 5+ units and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
52% of owner-occupied homes in West Feliciana Parish carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in West Feliciana Parish are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In West Feliciana Parish, 78% of homes are primarily heated with electricity.
The top hazards for West Feliciana Parish, per FEMA's National Risk Index, are hurricane (Relatively Low), tornado (Relatively Moderate) and strong wind (Relatively Moderate).
As of September 2026, West Feliciana Parish has 88 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $245,700 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Tornado (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 88 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Towns and cities
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)