Home Insurance in Hodge, Louisiana
The median home value in Hodge is $76,500, 34% lower than the Jackson Parish median.
The typical home in Hodge was built around 1968. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 33% of homes were built before 1960, about 14 points above Jackson Parish's 20%.
The housing stock in Hodge is 93% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 19% of owner-occupied homes in Hodge have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 63% of occupied homes in Hodge are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
68% of homes in Hodge are primarily heated with natural gas.
What's the biggest home insurance risk near Hodge? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Jackson Parish and Jackson Parish had 31 active NFIP flood policies as of September 2026. See the full Jackson 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 home value | $76,500 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 19% |
| 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)