Home Insurance in Hattiesburg, Mississippi
With a median home value of $165,900, Hattiesburg is close to the Forrest County median.
The typical home in Hattiesburg was built around 1981. About 24% of homes were built before 1960, about 3 points above Forrest County's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Hattiesburg breaks down to 52% single-family homes, 36% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
53% of owner-occupied homes in Hattiesburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 37% of occupied homes in Hattiesburg are owner-occupied.
Most homes in Hattiesburg - 70% - are primarily heated with electricity.
What's the biggest home insurance risk near Hattiesburg? FEMA's National Risk Index points to tornado (Relatively High) in Forrest County and Forrest County had 588 active NFIP flood policies as of September 2026. See the full Forrest 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 | $165,900 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 37% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Forrest County | 588 |
| 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)