Home Insurance in Learned, Mississippi
The median home value in Learned is $158,300, close to the Hinds County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Learned was built around 1966. About 41% of homes were built before 1960, about 17 points above Hinds County's 25%.
In Learned, the housing stock is 100% single-family homes.
In Learned, about 22% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Learned are owner-occupied.
Most homes in Learned - 86% - are primarily heated with natural gas.
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.
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 | $158,300 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 22% |
| 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)