Home Insurance in Jonestown, Mississippi
With a median home value of $61,100, Jonestown is 32% lower than the Coahoma County median.
The typical home in Jonestown was built around 1987. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 18% of homes were built before 1960, about 19 points below Coahoma County's 37%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jonestown is 42% single-family homes, 37% apartments in buildings with 5+ units and 17% mobile or manufactured homes.
About 25% of owner-occupied homes in Jonestown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 45% of occupied homes in Jonestown are owner-occupied.
Most homes in Jonestown - 70% - are primarily heated with natural gas.
FEMA rates Coahoma County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). 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.
In Mississippi, the statewide average premium for a standard HO-3 homeowners policy is $2,029 per year (NAIC, 2023 data).
Key figures
| Median home value | $61,100 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)