Home Insurance in Liberty, Mississippi
With a median home value of $103,500, Liberty is close to the Amite County median.
The typical home in Liberty was built around 1975. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 31% of homes were built before 1960, about 18 points above Amite County's 13%.
In Liberty, the housing stock is 77% single-family homes, 4% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 46% of owner-occupied homes in Liberty have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Liberty are owner-occupied.
In Liberty, 68% of homes are primarily heated with electricity.
Amite County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Amite County had 5 active NFIP flood policies as of September 2026. See the full Amite 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 | $103,500 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Amite County | 5 |
| 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)