Home Insurance in Louin, Mississippi
With a median home value of $173,600, Louin is 62% higher than the Jasper County median.
The typical home in Louin was built around 1977. About 24% of homes were built before 1960, about 12 points above Jasper County's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Louin is 84% single-family homes and 16% mobile or manufactured homes.
In Louin, about 11% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Louin are owner-occupied.
Most homes in Louin - 74% - 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 rates Jasper County's overall risk as Very Low, led by hurricane (Relatively Low). 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 | $173,600 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 11% |
| 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)