Home Insurance in Independence, Louisiana
Homes in Independence carry a median value of $147,000 - 31% lower than the Tangipahoa Parish median.
The typical home in Independence was built around 1976. About 23% of homes were built before 1960, about 15 points above Tangipahoa Parish's 8%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Independence, the housing stock is 78% single-family homes and 10% 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.
57% of owner-occupied homes in Independence carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Independence has an owner-occupancy rate of 54% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
64% of homes in Independence are primarily heated with electricity.
Tangipahoa Parish's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. 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.
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 | $147,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 54% |
| 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)