Home Insurance in Ethel, Mississippi
With a median home value of $72,500, Ethel is 31% lower than the Attala County median.
The typical home in Ethel was built around 1966. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 41% of homes were built before 1960, about 21 points above Attala County's 20%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ethel is 79% single-family homes and 13% mobile or manufactured homes.
About 26% of owner-occupied homes in Ethel have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ethel has an owner-occupancy rate of 72% and a vacancy rate of 41%; unoccupied homes typically need a different coverage form.
54% of homes in Ethel are primarily heated with natural gas.
Attala County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Attala County had 25 active NFIP flood policies as of September 2026. See the full Attala County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $72,500 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Attala County | 25 |
| 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)