Home Insurance in Claiborne County, Mississippi
The median home value in Claiborne County is $82,700, 51% lower than the Mississippi median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Claiborne County was built around 1982. About 12% of homes were built before 1960, about 2 points below Mississippi's 14%.
The housing stock in Claiborne County is 57% single-family homes, 4% apartments in buildings with 5+ units and 37% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Claiborne County, about 21% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 77% of occupied homes in Claiborne County are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
55% of homes in Claiborne 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.
The top hazards for Claiborne County, per FEMA's National Risk Index, are hail (Relatively Low), hurricane (Relatively Low) and tornado (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Claiborne County has 27 active NFIP flood policies on file.
In Mississippi, the statewide average premium for a standard HO-3 homeowners policy is $2,029 per year (NAIC, 2023 data).
Key figures
| Median home value | $82,700 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 21% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Hurricane (Relatively Low), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 27 |
| 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)