Home Insurance in Tchula, Mississippi
The median home value in Tchula is $49,000, 39% lower than the Holmes County median.
The typical home in Tchula was built around 1988. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 9% of homes were built before 1960, about 9 points below Holmes County's 18%.
The housing stock in Tchula is 43% single-family homes, 20% apartments in buildings with 5+ units and 26% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
18% of owner-occupied homes in Tchula carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 46% of occupied homes in Tchula are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
74% of homes in Tchula 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.
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 | $49,000 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 18% |
| 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)