Home Insurance in Winnfield, Louisiana
The median home value in Winnfield is $80,500, 26% lower than the Winn Parish median.
The typical home in Winnfield was built around 1967. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 38% of homes were built before 1960, about 16 points above Winn Parish's 22%.
In Winnfield, the housing stock is 66% single-family homes, 7% apartments in buildings with 5+ units and 14% 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.
23% of owner-occupied homes in Winnfield carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 40% of occupied homes in Winnfield are owner-occupied. The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
51% of homes in Winnfield are primarily heated with electricity.
FEMA rates Winn Parish's overall risk as Very Low, led by hurricane (Relatively Low). Winn Parish had 38 active NFIP flood policies as of September 2026. See the full Winn Parish home insurance overview for all FEMA hazard ratings and flood coverage details.
In Louisiana, the statewide average premium for a standard HO-3 homeowners policy is $3,027 per year (NAIC, 2023 data).
Key figures
| Median home value | $80,500 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 23% |
| 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)