Home Insurance in Chickasaw County, Mississippi
With a median home value of $109,800, Chickasaw County is 35% lower than the Mississippi median.
The typical home in Chickasaw County was built around 1978. About 17% of homes were built before 1960, about 3 points above Mississippi's 14%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Chickasaw County is 69% single-family homes, 2% apartments in buildings with 5+ units and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in Chickasaw County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 70% of occupied homes in Chickasaw County are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
52% of homes in Chickasaw County 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.
FEMA's National Risk Index lists strong wind (Relatively High), earthquake (Relatively Low) and tornado (Relatively Moderate) as the leading hazards for Chickasaw County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Chickasaw County had 11 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $109,800 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Earthquake (Relatively Low), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 11 |
| Home insurance premium | $2,029 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)