Home Insurance in Weir, Mississippi
The median home value in Weir is $67,600, 42% lower than the Choctaw County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Weir was built around 1988. About 19% of homes were built before 1960, about 1 point above Choctaw County's 17%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Weir is 74% single-family homes, 3% apartments in buildings with 5+ units and 17% mobile or manufactured homes.
33% of owner-occupied homes in Weir carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 80% of occupied homes in Weir are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Weir, 44% of homes are primarily heated with natural gas.
FEMA rates Choctaw County's overall risk as Very Low, led by strong wind (Relatively Moderate). Choctaw County had 14 active NFIP flood policies as of September 2026. 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 | $67,600 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)