Home Insurance in Georgetown, Mississippi
With a median home value of $97,000, Georgetown is 15% lower than the Copiah County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Georgetown was built around 1975. About 31% of homes were built before 1960, about 14 points above Copiah County's 17%.
The housing stock in Georgetown is 59% single-family homes, 32% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
11% of owner-occupied homes in Georgetown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Georgetown has an owner-occupancy rate of 43% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
70% of homes in Georgetown are primarily heated with electricity.
What's the biggest home insurance risk near Georgetown? 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.
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 | $97,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 11% |
| 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)