Home Insurance in Dodson, Louisiana
With a median home value of $52,500, Dodson is 52% lower than the Winn Parish median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Dodson was built around 1982. About 30% of homes were built before 1960, about 8 points above Winn Parish's 22%.
In Dodson, the housing stock is 53% single-family homes and 47% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
28% of owner-occupied homes in Dodson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 62% of occupied homes in Dodson are owner-occupied. The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Dodson, 65% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Dodson? FEMA's National Risk Index points to hurricane (Relatively Low) in Winn Parish and Winn Parish had 38 active NFIP flood policies as of September 2026. See the full Winn 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 | $52,500 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Winn Parish | 38 |
| 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)