Home Insurance in Pickens, Mississippi
Homes in Pickens carry a median value of $83,400 - close to the Holmes County median.
The typical home in Pickens was built around 1978. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 20% of homes were built before 1960, about 1 point above Holmes County's 18%.
The housing stock in Pickens is 81% single-family homes, 11% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
42% of owner-occupied homes in Pickens carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pickens has an owner-occupancy rate of 64% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Pickens, 66% of homes are primarily heated with electricity.
Holmes County had 51 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Holmes County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Mississippi is $2,029 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $83,400 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)