Home Insurance in Humphreys County, Mississippi
The median home value in Humphreys County is $87,800, 48% lower than the Mississippi median.
The typical home in Humphreys County was built around 1977. About 24% of homes were built before 1960, about 10 points above Mississippi's 14%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Humphreys County is 78% single-family homes, 3% apartments in buildings with 5+ units and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Humphreys County, about 32% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Humphreys County has an owner-occupancy rate of 62% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Humphreys County, 43% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Humphreys County's top hazards are hurricane (Relatively Low), earthquake (Relatively Low) and hail (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Humphreys County has 100 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $87,800 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Earthquake (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 100 |
| 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)