Home Insurance in Mound Bayou, Mississippi
With a median home value of $65,700, Mound Bayou is 49% lower than the Bolivar County median.
The typical home in Mound Bayou was built around 1977. About 18% of homes were built before 1960, about 3 points below Bolivar County's 22%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Mound Bayou is 66% single-family homes, 5% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Mound Bayou, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Mound Bayou has an owner-occupancy rate of 30% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
73% of homes in Mound Bayou are primarily heated with natural gas.
FEMA rates Bolivar County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). 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 home value | $65,700 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 30% |
| Share of owner-occupied homes with a mortgage | 28% |
| 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)