Home Insurance in North Hodge, Louisiana
With a median home value of $93,800, North Hodge is 19% lower than the Jackson Parish median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in North Hodge was built around 1971. About 22% of homes were built before 1960, about 3 points above Jackson Parish's 20%.
In North Hodge, the housing stock is 76% single-family homes, 12% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
50% of owner-occupied homes in North Hodge carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 36% of occupied homes in North Hodge are owner-occupied.
In North Hodge, 66% of homes are primarily heated with electricity.
What's the biggest home insurance risk near North 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.
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 | $93,800 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 36% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)