Home Insurance in Jackson County, Mississippi
The median home value in Jackson County is $193,100, 14% higher than the Mississippi median.
The typical home in Jackson County was built around 1984. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 11% of homes were built before 1960, about 3 points below Mississippi's 14%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jackson County is 76% single-family homes, 11% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
About 55% of owner-occupied homes in Jackson County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Jackson County has an owner-occupancy rate of 73% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Jackson County, 81% of homes are primarily heated with electricity.
The top hazards for Jackson County, per FEMA's National Risk Index, are hurricane (Relatively High), wildfire (Relatively Moderate) and tornado (Relatively Moderate).
Jackson County had 11,573 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 | $193,100 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Wildfire (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 11,573 |
| 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)