Home Insurance in Roxie, Mississippi
With a median home value of $64,500, Roxie is 37% lower than the Franklin County median.
The typical home in Roxie was built around 1981. About 14% of homes were built before 1960, about 8 points below Franklin County's 22%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Roxie is 62% single-family homes and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 13% of owner-occupied homes in Roxie have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Roxie are owner-occupied.
Most homes in Roxie - 53% - are primarily heated with electricity.
What's the biggest home insurance risk near Roxie? FEMA's National Risk Index points to hurricane (Relatively Low) in Franklin County and Franklin County had 12 active NFIP flood policies as of September 2026. See the full Franklin 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 | $64,500 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 13% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Franklin County | 12 |
| 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)