Home Insurance in Jefferson Davis County, Mississippi
Homes in Jefferson Davis County carry a median value of $90,100 - 47% lower than the Mississippi median.
The typical home in Jefferson Davis County was built around 1986. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 9% of homes were built before 1960, about 5 points below Mississippi's 14%.
In Jefferson Davis County, the housing stock is 67% single-family homes, 2% apartments in buildings with 5+ units and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Jefferson Davis County, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Jefferson Davis County has an owner-occupancy rate of 84% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
Most homes in Jefferson Davis County - 66% - 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.
Per FEMA's National Risk Index, Jefferson Davis County's top hazards are hurricane (Relatively Low), hail (Relatively Low) and wildfire (Very Low).
Jefferson Davis County had 3 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.
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 | $90,100 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Hail (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 3 |
| 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)