Home Insurance in Greene County, Mississippi
The median home value in Greene County is $92,700, 45% lower than the Mississippi median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Greene County was built around 1987. About 12% of homes were built before 1960, about 2 points below Mississippi's 14%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Greene County is 61% single-family homes, 3% apartments in buildings with 5+ units and 35% mobile or manufactured homes.
In Greene County, about 33% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Greene County has an owner-occupancy rate of 82% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Greene County, 85% of homes are primarily heated with electricity.
The top hazards for Greene County, per FEMA's National Risk Index, are hurricane (Relatively Moderate), wildfire (Relatively Low) and tornado (Relatively Low).
Greene County had 41 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $92,700 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Wildfire (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 41 |
| Home insurance premium | $2,029 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)