HomeInsuranceQts

Home Insurance in Hosston, Louisiana

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Hosston was built around 1974. About 22% of homes were built before 1960, about 2 points below Caddo Parish's 24%.

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hosston is 67% single-family homes and 32% mobile or manufactured homes.

About 35% of owner-occupied homes in Hosston have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Hosston are owner-occupied.

54% of homes in Hosston are primarily heated with electricity.

FEMA rates Caddo Parish's overall risk as Relatively Moderate, led by hail (Relatively High). Caddo Parish had 4,432 active NFIP flood policies as of September 2026. See the full Caddo Parish home insurance overview for all FEMA hazard ratings and flood coverage details.

According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Louisiana carries a statewide average premium of $3,027 per year.

Key figures

Median year built1974
Owner-occupied share80%
Share of owner-occupied homes with a mortgage35%
Top county hazardHail (Relatively High)
Active NFIP policies in Caddo Parish4,432
Home insurance premium$3,027 - statewide average (NAIC, 2023 data)
Key home insurance figures for Hosston, LA

Nearby towns

Sources

Data last updated: 2026-09-29