Home Insurance in Atlanta, Louisiana
With a median home value of $85,200, Atlanta is 21% lower than the Winn Parish median.
The typical home in Atlanta was built around 1988. About 21% of homes were built before 1960, in line with Winn Parish (22%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Atlanta, the housing stock is 48% single-family homes and 33% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Atlanta, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Atlanta has an owner-occupancy rate of 77% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
89% of homes in Atlanta are primarily heated with electricity.
Winn Parish had 38 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Winn 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 | $85,200 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Winn Parish | 38 |
| 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)