Home Insurance in Adams County, Mississippi
Homes in Adams County carry a median value of $108,700 - 36% lower than the Mississippi median.
The typical home in Adams County was built around 1972. About 29% of homes were built before 1960, about 14 points above Mississippi's 14%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Adams County is 72% single-family homes, 7% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
In Adams County, about 32% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 68% of occupied homes in Adams County are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Adams County, 53% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Adams County's top hazards are tornado (Relatively Moderate), hurricane (Relatively Low) and hail (Relatively Low).
Adams County had 52 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Mississippi is $2,029 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $108,700 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Hurricane (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 52 |
| Home insurance premium | $2,029 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)