Home Insurance in Heidelberg, Mississippi
With a median home value of $107,800, Heidelberg is close to the Jasper County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Heidelberg was built around 1977. About 30% of homes were built before 1960, about 18 points above Jasper County's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Heidelberg is 82% single-family homes, 3% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
30% of owner-occupied homes in Heidelberg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Heidelberg are owner-occupied.
Most homes in Heidelberg - 59% - are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Jasper County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Jasper County had 25 active NFIP flood policies as of September 2026. See the full Jasper 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 | $107,800 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Jasper County | 25 |
| 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)