Home Insurance in Snow Lake Shores, Mississippi
The median home value in Snow Lake Shores is $167,400, 59% higher than the Benton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Snow Lake Shores was built around 1967. About 26% of homes were built before 1960, about 14 points above Benton County's 12%.
In Snow Lake Shores, the housing stock is 99% single-family homes and 1% mobile or manufactured homes.
35% of owner-occupied homes in Snow Lake Shores carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 34%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 94% of occupied homes in Snow Lake Shores are owner-occupied.
In Snow Lake Shores, 50% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Snow Lake Shores? FEMA's National Risk Index points to earthquake (Relatively Low) in Benton County and 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.
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 | $167,400 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)