Home Insurance in Houston, Mississippi
The median home value in Houston is $122,800, 12% higher than the Chickasaw County median.
The typical home in Houston was built around 1975. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 18% of homes were built before 1960, in line with Chickasaw County (17%).
In Houston, the housing stock is 77% single-family homes, 3% 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.
In Houston, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Houston has an owner-occupancy rate of 55% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Houston, 50% of homes are primarily heated with natural gas.
Chickasaw County had 11 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Chickasaw County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Mississippi is $2,029 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $122,800 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Chickasaw County | 11 |
| 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)