Home Insurance in Boyle, Mississippi
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Boyle was built around 1963. About 43% of homes were built before 1960, about 21 points above Bolivar County's 22%.
Housing in Boyle breaks down to 94% single-family homes and 3% mobile or manufactured homes.
23% of owner-occupied homes in Boyle carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in Boyle are owner-occupied.
In Boyle, 53% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Boyle? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Bolivar County and 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.
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 year built | 1963 |
|---|---|
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 23% |
| 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)