Home Insurance in Beauregard, Mississippi
Homes in Beauregard carry a median value of $87,000 - 24% lower than the Copiah County median.
The typical home in Beauregard was built around 1989. About 20% of homes were built before 1960, about 3 points above Copiah County's 17%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Beauregard is 64% single-family homes and 36% mobile or manufactured homes.
30% of owner-occupied homes in Beauregard carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 59% of occupied homes in Beauregard are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 78% of homes in Beauregard are primarily heated with electricity.
What's the biggest home insurance risk near Beauregard? FEMA's National Risk Index points to tornado (Relatively Moderate) in Copiah County and Copiah County had 45 active NFIP flood policies as of September 2026. See the full Copiah County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $87,000 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Copiah County | 45 |
| 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)