Home Insurance in Mantachie, Mississippi
Homes in Mantachie carry a median value of $156,700 - 10% higher than the Itawamba County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Mantachie was built around 1986. About 8% of homes were built before 1960, about 6 points below Itawamba County's 13%.
Housing in Mantachie breaks down to 88% single-family homes, 4% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
55% of owner-occupied homes in Mantachie carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mantachie has an owner-occupancy rate of 75% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Mantachie, 48% of homes are primarily heated with natural gas.
Itawamba County had 17 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full Itawamba County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $156,700 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Itawamba County | 17 |
| 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)