Home Insurance in Hazlehurst, Mississippi
Homes in Hazlehurst carry a median value of $110,500 - close to the Copiah County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hazlehurst was built around 1976. About 31% of homes were built before 1960, about 13 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 Hazlehurst is 89% single-family homes, 1% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
33% of owner-occupied homes in Hazlehurst carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 60% of occupied homes in Hazlehurst are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Hazlehurst, 60% of homes are primarily heated with electricity.
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.
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 | $110,500 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)