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71018 Home Insurance Rates & Premiums

Did you know there are over 1,330 people living within the 71018 zip code area? There are over 581 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 71018.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Louisiana are on the rise. The estimated average premium is around $1,541 a year for a standard homeowners insurance policy in Cotton Valley. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Cotton Valley, LA Homeowners Insurance Quotes Online

71018 Home Insurance Average Premiums

Local 71018 homeowners insurance quotes comparison

$1291 /yr.

Shows Zip Code: 71018 lowest rates with discounts applied on average.

For the 71018, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)		$1291 /yr.
Average Coverage:$1541 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1841 /yr.

What is the average home insurance cost for a home in 71018?

  • • The average homeowners insurance premium paid annually for a home in 71018 is around $1541 per year.

What does it cost on average per month for home insurance in 71018?

  • • Homeowners in 71018 pay a monthly average cost per month around $128.00.

What kind of discount could I get if I combine my home and auto insurance together in 71018?

  • • Autoowners in 71018 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

You can easily shop and compare home insurance rates within Cotton Valley, check out other zip codes nearby 71018.
To review average rates in another zip code, click on a zip code below:
71018  | 

Home Replacement Cost Coverage in 71018

Average Building Cost Per Square Foot in 71018: $122

Location: Cotton Valley, Louisiana (Webster County)

Average Square Footage in 71018: 395 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 71018 before you start any project. Cotton Valley homeowners pay on average around $122 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 71018 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 71018 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 395 sq. ft. and the average cost to rebuild the home in this area is around $122 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Cotton Valley area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$122395$48,200
Additional Upgrades & Added Features$153395$60,250
Major Home Updates or Advancements$183395$72,300

It's important to understand that when you estimate your replacement cost of your home in the 71018 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 71018

Best Home & Auto Insurance Agencies in 71018

Housing Demographics for 71018

Population Review for 71018 Zip Code

For the city of Cotton Valley, the population within 71018 has increased to over 1,234 residents in population size. The current population total is 1,330. We have broken down the population based on race below. In 71018, there are over 624 in male population and 706 females.

PopulationValues
Total Population1,330
White Population807
Black Population429
Hispanic Population31
Asian Population2
Hawaiian Population0
Indian Population19
Other Population8
Male Population624
Female Population706
Population Estimate1234

Household Data for 71018

The average number of homes in 71018 is around 581, there are an average of 2.29 per household. The average house value according to local real estate values is around $48,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode581
Persons Per Household2.29
Average House Value$48,200
Income Per Household$32639
Median Age43.6
Median Age Male43.0
Median Age Female44.0
71018 DetailsValues
StateLA
State Full NameLouisiana
City TypeP
City Alias Abbreviation
Area Code318
CityCotton Valley
City Alias NameCOTTON VALLEY
CountyWebster
County FIPS119
State FIPS22
Time Zone6
Day Light SavingY
MSA7680
PMSA
CSA508
CBSA33380
CBSA_DIV
CBSA_TypeMicro
CBSA_NameMinden, LA
MSA_NameShreveport-Bossier City, LA MSA
PMSA_Name
RegionSouth
DivisionWest South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses15
Number Of Employees186
Business First Quarter Payroll3027
Business Annual Payroll11017
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population41207
CBSA Division Population0
Congressional District04
Congressional LandArea12435.1
Delivery Residential539
Delivery Business17
Delivery Total748
Preferred Last Line KeyY23578
Classification Code
Multi-CountyY
CSA NameShreveport-Bossier City-Minden, LA
CBSA_DIV_Name
City State KeyY23578
Land Area83.233000
Water Area0.990000
City Alias Code
City Mixed CaseCotton Valley
City Alias Mixed CaseCotton Valley
Box Count174
SFDU507
MFDU0
State ANSI22
County ANSI119
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number211989
Unique ZIP Name
SSA State County Code19590
Medicare CBSA Code99919
Medicare CBSA NameRural Areas in LA
Medicare CBSA TypeMicro
Market Rating Area ID8
County Mixed CaseWebster

Louisiana Homeowners Insurance News & Information

  • Affordable Home Insurance Is Getting Very Hard to Find Posted on Tuesday 6th May, 2025

    According to a recent ValuePenguin study, homeowners are having a harder time finding affordable insurance due to the property insurance crisis spreading around the country.  The report found that a shocking two-thirds of homeowners have seen premium increases in 2024. Another 25% of homeowners said they were dropped by their insurance company which is a […]

  • Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025

    Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025.  States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]

  • Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025

    As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not.  […]