Home Insurance in Chatham, Louisiana
Homes in Chatham carry a median value of $42,500 - 63% lower than the Jackson Parish median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Chatham was built around 1973. About 14% of homes were built before 1960, about 6 points below Jackson Parish's 20%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Chatham is 73% single-family homes, 3% apartments in buildings with 5+ units and 24% mobile or manufactured homes.
In Chatham, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Chatham has an owner-occupancy rate of 60% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
In Chatham, 63% of homes are primarily heated with electricity.
Jackson Parish had 31 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full Jackson 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 | $42,500 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Jackson Parish | 31 |
| 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)