Home Insurance in Rienzi, Mississippi
The median home value in Rienzi is $96,000, 32% lower than the Alcorn County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Rienzi was built around 1974. About 26% of homes were built before 1960, about 11 points above Alcorn County's 14%.
The housing stock in Rienzi is 70% single-family homes and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
33% of owner-occupied homes in Rienzi carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Rienzi are owner-occupied.
Most homes in Rienzi - 56% - are primarily heated with natural gas.
Alcorn County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Alcorn County had 90 active NFIP flood policies as of September 2026. See the full Alcorn County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
In Mississippi, the statewide average premium for a standard HO-3 homeowners policy is $2,029 per year (NAIC, 2023 data).
Key figures
| Median home value | $96,000 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Alcorn County | 90 |
| 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)