Home Insurance in St. Francisville, Louisiana
The median home value in St. Francisville is $275,000, 12% higher than the West Feliciana Parish median.
The typical home in St. Francisville was built around 1974. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 28% of homes were built before 1960, about 15 points above West Feliciana Parish's 13%.
In St. Francisville, the housing stock is 67% single-family homes and 18% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 47% of owner-occupied homes in St. Francisville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 59% of occupied homes in St. Francisville are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in St. Francisville - 63% - are primarily heated with electricity.
What's the biggest home insurance risk near St. Francisville? FEMA's National Risk Index points to hurricane (Relatively Low) in West Feliciana Parish and West Feliciana Parish had 88 active NFIP flood policies as of September 2026. See the full West Feliciana Parish home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Louisiana carries a statewide average premium of $3,027 per year.
Key figures
| Median home value | $275,000 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in West Feliciana Parish | 88 |
| 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)