InsureWatch

71201

High77

Monroe, Louisiana — Ouachita County

Pop. 20,817Median Income $56,521Median Home $261,300
0/ 100High Risk

2025 Estimated Premium

$3,317/yr

+24.4% from 2022 actual ($2,666)

Projected using FRED CPI for Household Insurance, adjusted for this ZIP's historical trend. Not a quote.

Avg Premium (2022)

$2,666

+10.2%

2018–2025

Nonrenewal Rate

0.78%

2018–2022

Claim Frequency

12.3%

Avg Claim Amount

$17,459

Score Breakdown

Premium Level (25%)91
Premium Trend (20%)100
Nonrenewal Risk (20%)39
Storm Exposure (15%)92
Affordability (10%)93
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201828 events
Property damage$165,000
2 tornado1 hail6 flood
19
201915 events2 fatalities
Property damage$0
1 tornado4 hail6 flood
20
202016 events
Property damage$250,775,000
3 tornado4 hail3 flood
21
202114 events
Property damage$0
1 tornado7 hail1 flood
22
202216 events
Property damage$50,000
1 tornado3 hail1 flood
23
202326 events
Property damage$0
11 hail2 flood
24
202413 events
Property damage$0
1 hail3 flood
25
202551 events
Property damage$35,000
9 hail6 flood

Nearby ZIP Codes

71291Claiborne, LA
71High
71203Monroe, LA
74High
71202Monroe, LA
76High
71292Brownsville, LA
71High
71280Sterlington, LA
69High

Compare home insurance quotes in Monroe, LA

See rates from top carriers. It takes 2 minutes and could save you hundreds.

The Zebra →Insurify →Policygenius →

Ad · We may earn a commission when you get a quote through our partners. This doesn't affect our data or scores.

Buying a home in Monroe, LA? Check mortgage rates

Compare rates from top lenders

Get alerts when your ZIP's risk changes

We'll email you when premiums spike, nonrenewal rates jump, or a major storm hits your area.

AI Risk Report

Get a detailed narrative analysis of this ZIP

Also from us: CrashWatch

See car crash data, road safety scores, and traffic fatality stats for Monroe, LA.

Compare this ZIP

See how 71201 stacks up against another ZIP code or city.

Compare Now

Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.