Home Insurance in Kosciusko, Mississippi
Homes in Kosciusko carry a median value of $112,400 - 7% higher than the Attala County median.
The typical home in Kosciusko was built around 1974. About 26% of homes were built before 1960, about 6 points above Attala County's 20%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Kosciusko breaks down to 84% single-family homes, 5% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
47% of owner-occupied homes in Kosciusko carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 55% of occupied homes in Kosciusko are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
66% of homes in Kosciusko are primarily heated with natural gas.
What's the biggest home insurance risk near Kosciusko? FEMA's National Risk Index points to tornado (Relatively Moderate) in Attala County and 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 | $112,400 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)