Home Insurance in Benoit, Mississippi
The median home value in Benoit is $83,100, 36% lower than the Bolivar County median.
The typical home in Benoit was built around 1958. About 51% of homes were built before 1960, about 30 points above Bolivar County's 22%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Benoit, the housing stock is 71% single-family homes and 27% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Benoit, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Benoit are owner-occupied.
50% of homes in Benoit are primarily heated with natural gas.
Bolivar County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Bolivar County had 408 active NFIP flood policies as of September 2026. See the full Bolivar County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
In Mississippi, the statewide average premium for a standard HO-3 homeowners policy is $2,029 per year (NAIC, 2023 data).
Key figures
| Median home value | $83,100 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Bolivar County | 408 |
| 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)