Home Insurance in Hickory Flat, Mississippi
Homes in Hickory Flat carry a median value of $109,600 - close to the Benton County median.
The typical home in Hickory Flat was built around 1977. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 20% of homes were built before 1960, about 9 points above Benton County's 12%.
In Hickory Flat, the housing stock is 62% single-family homes, 8% apartments in buildings with 5+ units and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
36% of owner-occupied homes in Hickory Flat carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Hickory Flat are owner-occupied.
53% of homes in Hickory Flat are primarily heated with natural gas.
FEMA rates Benton County's overall risk as Very Low, led by earthquake (Relatively Low). Benton County had 6 active NFIP flood policies as of September 2026. See the full Benton County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $109,600 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Benton County | 6 |
| 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)