Home Insurance in Itawamba County, Mississippi
With a median home value of $142,400, Itawamba County is 16% lower than the Mississippi median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Itawamba County was built around 1984. About 13% of homes were built before 1960, in line with Mississippi (14%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Itawamba County is 77% single-family homes, 2% apartments in buildings with 5+ units and 19% mobile or manufactured homes.
About 45% of owner-occupied homes in Itawamba County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Itawamba County has an owner-occupancy rate of 79% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Itawamba County - 53% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists earthquake (Relatively Low), tornado (Relatively Moderate) and hurricane (Very Low) as the leading hazards for Itawamba County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Itawamba County had 17 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Mississippi is $2,029 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $142,400 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Tornado (Relatively Moderate), Hurricane (Very Low) |
| Active NFIP flood policies (county) | 17 |
| 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)