Home Insurance in West, Mississippi
The median home value in West is $82,900, close to the Holmes County median.
The typical home in West was built around 1945. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 63% of homes were built before 1960, about 45 points above Holmes County's 18%.
In West, the housing stock is 94% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
Almost no owner-occupied homes in West carry a mortgage.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in West are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 39% of homes in West are primarily heated with propane.
Holmes County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. 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 | $82,900 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)