Home Insurance in McLain, Mississippi
Homes in McLain carry a median value of $64,300 - 31% lower than the Greene County median.
The typical home in McLain was built around 1985. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 27% of homes were built before 1960, about 14 points above Greene County's 12%.
The housing stock in McLain is 67% single-family homes, 5% apartments in buildings with 5+ units and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In McLain, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in McLain are owner-occupied.
87% of homes in McLain are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Greene County's overall risk as Very Low, led by hurricane (Relatively Moderate). Greene County had 41 active NFIP flood policies as of September 2026. See the full Greene 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 | $64,300 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Greene County | 41 |
| 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)