Home Insurance in Horn Lake, Mississippi
With a median home value of $171,400, Horn Lake is 36% lower than the DeSoto County median.
The typical home in Horn Lake was built around 1991. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 3% of homes were built before 1960, in line with DeSoto County (3%).
In Horn Lake, the housing stock is 76% single-family homes, 14% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
67% of owner-occupied homes in Horn Lake carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Horn Lake are owner-occupied.
52% of homes in Horn Lake are primarily heated with natural gas.
What's the biggest home insurance risk near Horn Lake? FEMA's National Risk Index points to tornado (Relatively High) in DeSoto County and DeSoto County had 530 active NFIP flood policies as of September 2026. See the full DeSoto County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Mississippi, the statewide average premium for a standard HO-3 homeowners policy is $2,029 per year (NAIC, 2023 data).
Key figures
| Median home value | $171,400 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in DeSoto County | 530 |
| 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)