Home Insurance in Utica, Mississippi
With a median home value of $109,500, Utica is 32% lower than the Hinds County median.
The typical home in Utica was built around 1970. About 40% of homes were built before 1960, about 16 points above Hinds County's 25%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Utica is 97% single-family homes and 3% mobile or manufactured homes.
In Utica, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Utica has an owner-occupancy rate of 75% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Utica - 54% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Utica? FEMA's National Risk Index points to hail (Very High) in Hinds County and 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 | $109,500 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)