Home Insurance in Hinds County, Mississippi
Homes in Hinds County carry a median value of $159,900 - 6% lower than the Mississippi median.
The typical home in Hinds County was built around 1974. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 25% of homes were built before 1960, about 11 points above Mississippi's 14%.
In Hinds County, the housing stock is 71% single-family homes, 18% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 54% of owner-occupied homes in Hinds County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 58% of occupied homes in Hinds County are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
52% of homes in Hinds County are primarily heated with electricity.
FEMA's National Risk Index lists hail (Very High), tornado (Relatively High) and strong wind (Very High) as the leading hazards for Hinds County.
As of September 2026, Hinds County has 2,521 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 | $159,900 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Hail (Very High), Tornado (Relatively High), Strong Wind (Very High) |
| Active NFIP flood policies (county) | 2,521 |
| 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)