Home Insurance in West Point, Mississippi
Homes in West Point carry a median value of $153,900 - 19% higher than the Clay County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in West Point was built around 1975. About 27% of homes were built before 1960, about 8 points above Clay County's 20%.
In West Point, the housing stock is 74% single-family homes, 11% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 45% of owner-occupied homes in West Point have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 61% of occupied homes in West Point are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in West Point - 51% - are primarily heated with electricity.
Clay County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Clay County had 135 active NFIP flood policies as of September 2026. See the full Clay County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Mississippi carries a statewide average premium of $2,029 per year.
Key figures
| Median home value | $153,900 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Clay County | 135 |
| 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)