Home Insurance in Holmes County, Mississippi
The median home value in Holmes County is $80,400, 53% lower than the Mississippi median.
The typical home in Holmes County was built around 1982. About 18% of homes were built before 1960, about 4 points above Mississippi's 14%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Holmes County is 61% single-family homes, 8% apartments in buildings with 5+ units and 26% mobile or manufactured homes.
In Holmes County, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Holmes County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Holmes County - 52% - are primarily heated with electricity.
Per FEMA's National Risk Index, Holmes County's top hazards are tornado (Relatively Moderate), hail (Relatively Low) and strong wind (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Holmes County has 51 active NFIP flood policies on file.
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 | $80,400 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Hail (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 51 |
| Home insurance premium | $2,029 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)