Insurance Agencies in Youngsville, LA

Youngsville at a glance

• 4insurance agencies listed
• 12.6%of households rentRenters insurance
• $287,700median home valueHome insurance
• 2011median year homes were builtRebuild cost calculator
• 4.8%of households have no carAuto insurance
• 8.5%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Lafayette Parish

FEMA rates the overall natural hazard risk in Lafayette Parish, where most Youngsville agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

• LightningVery High

  Fire and lightning are standard covered causes of loss on home policies.

  Home insurance in Louisiana
• HurricaneVery High

  Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.

  Home insurance in Louisiana
• Ice stormRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Louisiana

Louisiana requires drivers to carry at least $15,000 of bodily injury liability per person, $30,000 per accident and $25,000 of property damage liability, often written 15/30/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in LouisianaHow much liability cover do you need?

Source: ldi.la.gov. Checked 2026-10-24.