Home Insurance in Natchez, Mississippi
With a median home value of $119,400, Natchez is 10% higher than the Adams County median.
The typical home in Natchez was built around 1964. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 42% of homes were built before 1960, about 13 points above Adams County's 29%.
Housing in Natchez breaks down to 74% single-family homes, 13% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
36% of owner-occupied homes in Natchez carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Natchez has an owner-occupancy rate of 56% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
51% of homes in Natchez are primarily heated with natural gas.
Adams County had 52 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Adams County 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 Mississippi carries a statewide average premium of $2,029 per year.
Key figures
| Median home value | $119,400 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Adams County | 52 |
| Home insurance premium | $2,029 - 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)