Home Insurance in Prentiss, Mississippi
The median home value in Prentiss is $76,100, 16% lower than the Jefferson Davis County median.
The typical home in Prentiss was built around 1965. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 38% of homes were built before 1960, about 29 points above Jefferson Davis County's 9%.
The housing stock in Prentiss is 90% single-family homes and 6% apartments in buildings with 5+ units.
About 65% of owner-occupied homes in Prentiss have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 64% of occupied homes in Prentiss are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Prentiss, 48% of homes are primarily heated with electricity.
Jefferson Davis County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Jefferson Davis County had 3 active NFIP flood policies as of September 2026. See the full Jefferson Davis County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $76,100 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Jefferson Davis County | 3 |
| 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)