Home Insurance in Hornbeck, Louisiana
Homes in Hornbeck carry a median value of $110,700 - 29% lower than the Vernon Parish median.
The typical home in Hornbeck was built around 1990. About 7% of homes were built before 1960, about 3 points below Vernon Parish's 10%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Hornbeck, the housing stock is 61% single-family homes and 37% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hornbeck, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hornbeck has an owner-occupancy rate of 89% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
In Hornbeck, 72% of homes are primarily heated with electricity.
FEMA rates Vernon Parish's overall risk as Relatively Low, led by hurricane (Relatively Moderate). Vernon Parish had 260 active NFIP flood policies as of September 2026. See the full Vernon 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 | $110,700 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Vernon Parish | 260 |
| 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)