Home Insurance in D'Iberville, Mississippi
With a median home value of $210,100, D'Iberville is close to the Harrison County median.
The typical home in D'Iberville was built around 2003. About 2% of homes were built before 1960, about 9 points below Harrison County's 10%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In D'Iberville, the housing stock is 60% single-family homes, 27% 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.
53% of owner-occupied homes in D'Iberville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in D'Iberville are owner-occupied.
88% of homes in D'Iberville are primarily heated with electricity.
Harrison County had 13,068 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). See the full Harrison County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Mississippi, the statewide average premium for a standard HO-3 homeowners policy is $2,029 per year (NAIC, 2023 data).
Key figures
| Median home value | $210,100 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Harrison County | 13,068 |
| 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)