Home Insurance in Friars Point, Mississippi
With a median home value of $56,400, Friars Point is 38% lower than the Coahoma County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Friars Point was built around 1989. About 6% of homes were built before 1960, about 31 points below Coahoma County's 37%.
The housing stock in Friars Point is 36% single-family homes, 38% apartments in buildings with 5+ units and 12% 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.
23% of owner-occupied homes in Friars Point carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Friars Point has an owner-occupancy rate of 29% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
51% of homes in Friars Point are primarily heated with natural gas.
What's the biggest home insurance risk near Friars Point? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Coahoma County and Coahoma County had 121 active NFIP flood policies as of September 2026. See the full Coahoma County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $56,400 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 29% |
| Share of owner-occupied homes with a mortgage | 23% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Coahoma County | 121 |
| 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)