Home Insurance in Jackson, Mississippi
The median home value in Jackson is $111,700, 30% lower 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 Jackson was built around 1969. About 32% of homes were built before 1960, about 7 points above Hinds County's 25%.
Housing in Jackson breaks down to 69% single-family homes, 22% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Jackson, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Jackson has an owner-occupancy rate of 49% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Jackson - 51% - are primarily heated with electricity.
Hinds County's top FEMA-rated hazard is hail (Very High), per FEMA's National Risk Index. 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.
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 | $111,700 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)