Home Insurance in Coahoma County, Mississippi
The median home value in Coahoma County is $90,300, 47% lower than the Mississippi median.
The typical home in Coahoma County was built around 1970. About 37% of homes were built before 1960, about 23 points above Mississippi's 14%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Coahoma County is 71% single-family homes, 10% apartments in buildings with 5+ units and 7% 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.
37% of owner-occupied homes in Coahoma County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Coahoma County has an owner-occupancy rate of 52% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
In Coahoma County, 54% of homes are primarily heated with natural gas. 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 Coahoma County, per FEMA's National Risk Index, are earthquake (Relatively Moderate), tornado (Relatively Moderate) and strong wind (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Coahoma County had 121 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $90,300 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Tornado (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 121 |
| 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)