Home Insurance in Harrison County, Mississippi
Homes in Harrison County carry a median value of $212,200 - 25% higher than the Mississippi median.
The typical home in Harrison County was built around 1994. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 10% of homes were built before 1960, about 4 points below Mississippi's 14%.
In Harrison County, the housing stock is 69% single-family homes, 17% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
57% of owner-occupied homes in Harrison County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Harrison County are owner-occupied.
76% of homes in Harrison County are primarily heated with electricity.
The top hazards for Harrison County, per FEMA's National Risk Index, are hurricane (Very High), tornado (Relatively High) and wildfire (Relatively Moderate).
As of September 2026, Harrison County has 13,068 active NFIP flood insurance policies. 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 | $212,200 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top hazards (FEMA National Risk Index) | Hurricane (Very High), Tornado (Relatively High), Wildfire (Relatively Moderate) |
| Active NFIP flood policies (county) | 13,068 |
| 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)