Home Insurance in Pachuta, Mississippi
With a median home value of $120,800, Pachuta is close to the Clarke County median.
The typical home in Pachuta was built around 1972. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 23% of homes were built before 1960, about 10 points above Clarke County's 13%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pachuta is 69% single-family homes and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Pachuta, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 66% of occupied homes in Pachuta are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Pachuta - 88% - are primarily heated with electricity.
What's the biggest home insurance risk near Pachuta? FEMA's National Risk Index points to hurricane (Relatively Low) in Clarke County and Clarke County had 75 active NFIP flood policies as of September 2026. See the full Clarke 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 | $120,800 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Clarke County | 75 |
| 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)