Home Insurance in Belzoni, Mississippi
Homes in Belzoni carry a median value of $109,600 - 25% higher than the Humphreys County median.
The typical home in Belzoni was built around 1965. About 38% of homes were built before 1960, about 14 points above Humphreys County's 24%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Belzoni, the housing stock is 86% single-family homes, 1% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
39% of owner-occupied homes in Belzoni carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 70% of occupied homes in Belzoni are owner-occupied. The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Belzoni - 64% - are primarily heated with natural gas.
What's the biggest home insurance risk near Belzoni? FEMA's National Risk Index points to hurricane (Relatively Low) in Humphreys County and Humphreys County had 100 active NFIP flood policies as of September 2026. See the full Humphreys 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 | $109,600 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Humphreys County | 100 |
| 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)