Home Insurance in Clinton, Mississippi
With a median home value of $225,800, Clinton is 41% higher than the Hinds County median.
The typical home in Clinton was built around 1982. About 6% of homes were built before 1960, about 19 points below Hinds County's 25%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Clinton, the housing stock is 72% single-family homes, 16% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
61% of owner-occupied homes in Clinton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Clinton are owner-occupied.
49% of homes in Clinton are primarily heated with electricity.
Hinds County had 2,521 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Very High). 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 | $225,800 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)