Home Insurance in Wesson, Mississippi
Homes in Wesson carry a median value of $168,500 - 48% higher than the Copiah County median.
The typical home in Wesson was built around 1976. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 19% of homes were built before 1960, about 2 points above Copiah County's 17%.
In Wesson, the housing stock is 73% single-family homes, 11% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Wesson, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Wesson has an owner-occupancy rate of 60% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Wesson, 61% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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 | $168,500 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)