Home Insurance in Hammond, Louisiana
Homes in Hammond carry a median value of $221,400 - close to the Tangipahoa Parish median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hammond was built around 1984. About 10% of homes were built before 1960, about 2 points above Tangipahoa Parish's 8%.
In Hammond, the housing stock is 57% single-family homes, 24% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hammond, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 46% of occupied homes in Hammond are owner-occupied.
Most homes in Hammond - 70% - are primarily heated with electricity.
What's the biggest home insurance risk near Hammond? FEMA's National Risk Index points to hurricane (Relatively High) in Tangipahoa Parish and Tangipahoa Parish had 7,241 active NFIP flood policies as of September 2026. See the full Tangipahoa 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 | $221,400 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Tangipahoa Parish | 7,241 |
| 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)