Home Insurance in Durant, Mississippi
With a median home value of $69,600, Durant is 13% lower than the Holmes County median.
The typical home in Durant was built around 1968. About 30% of homes were built before 1960, about 12 points above Holmes County's 18%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Durant, the housing stock is 73% single-family homes, 9% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Durant, about 32% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 55% of occupied homes in Durant are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Durant - 57% - are primarily heated with natural gas.
What's the biggest home insurance risk near Durant? FEMA's National Risk Index points to tornado (Relatively Moderate) in Holmes County and Holmes County had 51 active NFIP flood policies as of September 2026. See the full Holmes 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 | $69,600 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Holmes County | 51 |
| 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)