Home Insurance in Benton County, Mississippi
With a median home value of $105,100, Benton County is 38% lower than the Mississippi median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Benton County was built around 1985. About 12% of homes were built before 1960, about 2 points below Mississippi's 14%.
The housing stock in Benton County is 69% single-family homes, 1% apartments in buildings with 5+ units and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 48% of owner-occupied homes in Benton County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 86% of occupied homes in Benton County are owner-occupied. The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Benton County, 46% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Benton County's top hazards are earthquake (Relatively Low), tornado (Relatively Low) and wildfire (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Benton County had 6 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $105,100 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Tornado (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 6 |
| Home insurance premium | $2,029 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)