United States › Louisiana › Avoyelles Parish

Home insurance & natural hazards in Avoyelles Parish, LA

Calm, plain facts for homeowners in Avoyelles Parish: what neighbors have paid for coverage, what flood insurance costs, and which weather hazards matter most here.

  • Typical premiums from U.S. Treasury insurance data
  • Flood insurance costs from 656 FEMA NFIP policies
  • 14 natural hazards rated by the FEMA National Risk Index
See the numbers

Historical averages, not a quote. Updated Oct 2026.

Illustration of a house on a hill in front of a large shield

Avoyelles at a glance

Four numbers most homeowners ask about first.

$1,965
Typical home premium

Per policy per year in 2022, median of 7 ZIP codes (inflation-adjusted).

$504
Avg. flood policy

Average full cost of a single-family NFIP policy that took effect in 2025.

0.85%
Nonrenewal rate

Share of policies insurers chose not to renew in 2022, median ZIP. Typical U.S. ZIP: 0.81%.

Rel. low
FEMA risk rating

Overall National Risk Index rating, higher than 73.0% of U.S. counties.

Avoyelles Parish in numbers
39,654
residents (2020 Census)
5.6%
of policies had a paid claim (2022, median ZIP)
$7,871
average paid claim (2022, median ZIP)
656
single-family NFIP flood policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

Typical premiums in Avoyelles Parish were $1,965 per policy in 2022, 19% below the typical Louisiana ZIP code ($2,438) and 27% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, local premiums rose 11% between 2018 and 2022.

Premiums by ZIP

Typical premium per policy

Inflation-adjusted dollars, median across ZIP codes
AvoyellesLouisianaU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

Standard home policies don't cover floods. The average single-family NFIP policy that took effect here in 2025 cost $504, compared with $576 in 2022. About 69% of local policies are for homes in high-risk A or V zones and 31% in moderate- to lower-risk zones.

Flood costs by ZIP

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

656 policies
A zones 69%X/B/C zones 31%V zones 0%

Natural hazards

FEMA National Risk Index, December 2025

Bars show how Avoyelles compares with every U.S. county for each hazard (100 = highest). Drought, ice storm and hurricane rank highest here. A high rank doesn't mean an event is likely in any given year. It shows where preparation and the right coverage matter most.

How the ratings work

Hazard risk, national percentile

Higher than X% of U.S. counties

Compare nearby

Neighboring counties

Typical premium 2022 (Treasury FIO), nonrenewal 2022, avg. flood policy 2025 (NFIP)
CountyPremiumNonrenewalFlood
West Feliciana Parish$2,6430.55%$1,206
Pointe Coupee Parish$2,4701.02%$496
St. Landry Parish$2,2241.03%$957
Evangeline Parish$2,0480.84%$845
Avoyelles Parish$1,9650.85%$504
Catahoula Parish$1,9200.96%$476
Concordia Parish$1,8420.52%$466
Rapides Parish$1,7930.97%$623
LaSalle Parish$1,7880.74%$1,011

Flood insurance by ZIP, 2025

FEMA NFIP, single-family homes, ZIPs with the most policies
ZIPPoliciesAvg. cost
71351 Marksville279$474
71322 Bunkie92$525
71355 Moreauville61$443
71369 Simmesport52$917
71350 Mansura47$533
71362 Plaucheville41$459
71327 Cottonport34$430
71331 Effie28$403

ZIP code pages in Avoyelles Parish

Practical next steps

Simple things Avoyelles homeowners can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Plan for heat and dry spells. Long dry periods can stress foundations and landscaping. Regular checks of your HVAC system and foundation can catch small problems before they become claims.
Ask about wind mitigation credits. Features like hurricane straps, a newer roof and impact-rated windows or shutters can lower premiums. Ask your insurer which upgrades earn a discount and what paperwork it needs.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.