Home Insurance in Byram, Mississippi
With a median home value of $206,600, Byram is 29% higher than the Hinds County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Byram was built around 2001. About 3% of homes were built before 1960, about 22 points below Hinds County's 25%.
In Byram, the housing stock is 83% single-family homes, 12% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
71% of owner-occupied homes in Byram carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Byram has an owner-occupancy rate of 84% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
55% of homes in Byram are primarily heated with electricity.
FEMA rates Hinds County's overall risk as Relatively Moderate, led by hail (Very High). Hinds County had 2,521 active NFIP flood policies as of September 2026. See the full Hinds County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Mississippi is $2,029 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $206,600 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Hail (Very High) |
| Active NFIP policies in Hinds County | 2,521 |
| 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)