Home Insurance in Winn Parish, Louisiana
With a median home value of $108,500, Winn Parish is 50% lower than the Louisiana median.
The typical home in Winn Parish was built around 1978. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 22% of homes were built before 1960, about 4 points above Louisiana's 18%.
The housing stock in Winn Parish is 65% single-family homes, 2% apartments in buildings with 5+ units and 27% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Winn Parish, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Winn Parish are owner-occupied.
Most homes in Winn Parish - 65% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Winn Parish's top hazards are hurricane (Relatively Low), strong wind (Relatively Moderate) and tornado (Relatively Low).
Winn Parish had 38 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $108,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Strong Wind (Relatively Moderate), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 38 |
| 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)