Home Insurance in Bruce, Mississippi
With a median home value of $71,700, Bruce is 21% lower than the Calhoun County median.
The typical home in Bruce was built around 1974. About 17% of homes were built before 1960, about 3 points above Calhoun County's 14%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Bruce, the housing stock is 75% single-family homes, 8% apartments in buildings with 5+ units and 4% 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.
25% of owner-occupied homes in Bruce carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 41% of occupied homes in Bruce are owner-occupied. The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Bruce - 51% - are primarily heated with electricity.
Calhoun County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Calhoun County had 49 active NFIP flood policies as of September 2026. See the full Calhoun 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 | $71,700 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Calhoun County | 49 |
| 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)