Home Insurance in Port Gibson, Mississippi
With a median home value of $113,500, Port Gibson is 37% higher than the Claiborne County median.
The typical home in Port Gibson was built around 1969. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 26% of homes were built before 1960, about 14 points above Claiborne County's 12%.
The housing stock in Port Gibson is 70% single-family homes, 10% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 15% of owner-occupied homes in Port Gibson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Port Gibson are owner-occupied.
48% of homes in Port Gibson are primarily heated with electricity.
Claiborne County had 27 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Claiborne 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 | $113,500 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 15% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Claiborne County | 27 |
| 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)