Home Insurance in French Camp, Mississippi
Homes in French Camp carry a median value of $375,000 - 220% higher than the Choctaw County median.
The typical home in French Camp was built around 1976. About 19% of homes were built before 1960, about 2 points above Choctaw County's 17%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In French Camp, the housing stock is 88% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In French Camp, about 20% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 61% of occupied homes in French Camp are owner-occupied.
Most homes in French Camp - 60% - 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.
Choctaw County had 14 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full Choctaw 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 | $375,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 20% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Choctaw County | 14 |
| 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)