Home Insurance in Bolivar County, Mississippi
The median home value in Bolivar County is $130,000, 23% lower than the Mississippi median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bolivar County was built around 1977. About 22% of homes were built before 1960, about 8 points above Mississippi's 14%.
The housing stock in Bolivar County is 73% single-family homes, 10% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 47% of owner-occupied homes in Bolivar County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 63% of occupied homes in Bolivar County are owner-occupied. The vacancy rate is 13%; 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 Bolivar County, 48% of homes are primarily heated with natural gas.
The top hazards for Bolivar County, per FEMA's National Risk Index, are earthquake (Relatively Moderate), tornado (Relatively Moderate) and inland flooding (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Bolivar County had 408 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 | $130,000 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Tornado (Relatively Moderate), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 408 |
| Home insurance premium | $2,029 - statewide average (NAIC, 2023 data) |
Towns and cities
- Alligator
- Benoit
- Beulah
- Boyle
- Cleveland
- Duncan
- Gunnison
- Merigold
- Mound Bayou
- Pace
- Renova
- Rosedale
- Shaw
- Shelby
- Winstonville
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)