Home Insurance in Rodessa, Louisiana
With a median home value of $60,000, Rodessa is 66% lower than the Caddo Parish median.
The typical home in Rodessa was built around 1980. About 29% of homes were built before 1960, about 5 points above Caddo Parish's 24%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Rodessa is 43% single-family homes and 57% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Rodessa, about 11% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 73% of occupied homes in Rodessa are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Rodessa - 74% - 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.
The statewide average premium for a standard HO-3 homeowners policy in Louisiana is $3,027 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $60,000 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 11% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Caddo Parish | 4,432 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)