Home Insurance in Isola, Mississippi
Homes in Isola carry a median value of $88,600 - close to the Humphreys County median.
The typical home in Isola was built around 1977. About 12% of homes were built before 1960, about 12 points below Humphreys County's 24%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Isola is 78% single-family homes and 13% apartments in buildings with 5+ units.
41% of owner-occupied homes in Isola carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Isola has an owner-occupancy rate of 43% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Isola, 64% of homes are primarily heated with electricity.
FEMA rates Humphreys County's overall risk as Very Low, led by hurricane (Relatively Low). 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.
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 | $88,600 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)