Home Insurance in Shubuta, Mississippi
The median home value in Shubuta is $85,700, 27% lower than the Clarke County median.
The typical home in Shubuta was built around 1979. About 8% of homes were built before 1960, about 5 points below Clarke County's 13%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Shubuta is 75% single-family homes and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Shubuta, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 80% of occupied homes in Shubuta are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Shubuta, 64% of homes are primarily heated with natural gas.
FEMA rates Clarke County's overall risk as Very Low, led by hurricane (Relatively Low). 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 | $85,700 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)