Home Insurance in Jefferson County, Mississippi
Homes in Jefferson County carry a median value of $81,300 - 52% 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 Jefferson County was built around 1986. About 5% of homes were built before 1960, about 9 points below Mississippi's 14%.
The housing stock in Jefferson County is 52% single-family homes, 2% apartments in buildings with 5+ units and 37% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 18% of owner-occupied homes in Jefferson County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Jefferson County has an owner-occupancy rate of 83% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
In Jefferson County, 61% of homes 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.
The top hazards for Jefferson County, per FEMA's National Risk Index, are hurricane (Relatively Low), hail (Relatively Low) and tornado (Relatively Low).
Jefferson County had 7 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.
In Mississippi, the statewide average premium for a standard HO-3 homeowners policy is $2,029 per year (NAIC, 2023 data).
Key figures
| Median home value | $81,300 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 18% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Hail (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 7 |
| 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)