Home Insurance in Seminary, Mississippi
Homes in Seminary carry a median value of $162,500 - 55% higher than the Covington County median.
The typical home in Seminary was built around 1981. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 27% of homes were built before 1960, about 18 points above Covington County's 10%.
In Seminary, the housing stock is 82% single-family homes and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 52% of owner-occupied homes in Seminary have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Seminary has an owner-occupancy rate of 75% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
In Seminary, 59% of homes are primarily heated with electricity.
Covington County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Covington County had 70 active NFIP flood policies as of September 2026. See the full Covington 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 | $162,500 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Covington County | 70 |
| 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)