Home Insurance in Renova, Mississippi
With a median home value of $105,700, Renova is 19% lower than the Bolivar County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Renova was built around 1994. About 2% of homes were built before 1960, about 19 points below Bolivar County's 22%.
In Renova, the housing stock is 52% single-family homes, 13% apartments in buildings with 5+ units and 3% 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.
39% of owner-occupied homes in Renova carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Renova has an owner-occupancy rate of 48% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
57% of homes in Renova 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.
Bolivar County had 408 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). 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 | $105,700 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)