Home Insurance in Crystal Springs, Mississippi
With a median home value of $113,000, Crystal Springs is close to the Copiah County median.
The typical home in Crystal Springs was built around 1977. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 22% of homes were built before 1960, about 5 points above Copiah County's 17%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Crystal Springs is 72% single-family homes, 4% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
In Crystal Springs, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 67% of occupied homes in Crystal Springs are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Crystal Springs, 60% of homes are primarily heated with natural gas.
FEMA rates Copiah County's overall risk as Relatively Low, led by tornado (Relatively Moderate). 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.
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 | $113,000 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)